finally moved my money to earn higher interest.
the APY will be 2.25% for 12 months... and if I open a checking account before the 12 months is up and keep $2500 in checking (making no interest), the money marking savings account can stay at the higher rate without going down.
only took me two years to finally do this. better late than never I guess. for the year it will make about $675.... compare that to the $10 it made last year. A step in the right direction at least.