[kc8ukw]

It's probably safe to roll over. I would try to make sure you're at a bank that isn't in danger of failing, just in case the FDIC finds itself running out of money. (Plus, they're probably a pain to deal with, anyways.)

Actually, beware if the bank offers you an exceptionally high CD rate, as it could be a sign they're in trouble. You can use bankrate.com to compare rates in your area.

[kc8ukw]

I noticed that WAMU’s CD rates were almost as high as the rates at the internet bank we use - right before they went under.