TFS's top rate right now (700+ FICA) is 5.8 - up from 5.65 last week. rates have been on the rise lately, with TFS and with all my local credit unions. 5.95 isnt the worst rate out their at all right now, and it is getting hard to get under 4.75 anywhere for us. i put a car out not too long ago with an 18.1%, so it could be worse.