I am currently a member of two credit unions. I have been with once since I worked for them in 1983 but now it has become very commercial (Eastern Financial)anyone can join. I don't want to drop them completely because of my history with them. The other is a firefighters credit union which only city employees can join but we only do our business banking thru them since my DH is self employed. I am thinking of transferring my personal account from Eastern to Citibank since they offer reward points & their rates on Money Mkts & CD's are not bad. Do you guys think it's a good idea, or should I just stick to one banking institution such as transferring everything into the firefighters?
Thanks.

How much higher are the rates if you switch? Does your history with EF include a credit card?

We have our emergency fund with ING as the 3% APR for regular savings is hard to surpass. Also, we have CDs with Patelco which is offering 4% for 12 months (higher than ING).