Unfortunately, their rates just fell. I got my scholarship from school just a couple of days too late it seems. I was going to park it into the cashable term deposit, but now the rate is only 4.00%. The non-redeemable also fell from 4.65% to 4.35%.
I've really wanted to move all my money over to Citzens, but their Ultimate Savings account isn't even 4%. I guess I'm sticking with my HSBC Direct account at 4.25% for now.