Great story AK, I too have a credit score in the high 700s and was appauled at usaa federal savings bank for only offering 6.99. OMSC offered me subsidizing which lowered it to an equivalent of 5.99, but like you i am still not satisfied thats the best i can do. I am a military member and am about to try for the penfed cu to see about that 3.99...
wish me luck