mx,
congrats on the new whip.... it'll make a nice ride.
sorry on the interest rates but as mentioned, check out some local credit unions. some are usually much better than big banks. I kept my credit union account from wisconsin all these years for that reason.
as to the comment on boat sales, check out onlyinboards. it's back up to almost prepandemic levels for sale and half of what's listed are 2022-2023 which tells me the boating market is softening. me thinks 2023 is going to be a rough year for new boat sales.