Thank you for getting back to me so soon. If you know of any other banks that give a higher interest rate please let me know. I looked I Costa Rica and their bank. Banco Costa Rica gives you 5.87%in a 5 year cd. I was in Liberia this past November. On line I saw up to 9 % from off shore credit unions if you put it in a retirement account. It says you can't touch the principle or interest for 5years. But I'm not sure how safe it is