Noticing the product shelf is laser-focused helped me decide faster. I went with a fixed term to lock a rate, and that felt great, but I reminded myself it is not a liquid savings account. The disclosures spelled out surrender charges and the free-look window clearly. I had to be comfortable transacting digitally, and I am. The portal is clean, and paperwork arrived quickly. If you want variable options, this is not it, but for fixed, it works.