Free financial adivce? Sorry but that is pretty 'meh' advice.
Did some digging on the sources used to find those 4.00% rates, there might be a bank in a state that will offer it, but they also require you meet certain requirements. Nothing major for certain people, but not everyone can meet the requirements hurting the chance even more. Honestly getting the 4.00% rate seems more of a gimmick to get you into their bank and then they bottom out the rate in 6 months.
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