Rates change daily, sometimes hourly. Of even more importance every situation is different and there are many factors that go into the interest rate you get. As such we have found that its best to go over the rate we can get you live. We offer many products from many investors and there is simply no way to list them on a rate table and have them be accurate all the time. This is not a gimmick to get people in touch with us. If you think it is, its simple, don't call. For those that believe in good old fashioned customer service and have faith that there are actually people in this world who understand what is best for their clients, is best for them, give us a call or email and you'll see the great rates/solutions we provide.