wjones
It's basically what hkchan said. They will lose significantly more money if they keep a 6.25% APY on balances over 10,000 dollars. I would hope that it's like the tax system, where they only lower the APR for the amount OVER 10,000, otherwise that wouldn't make sense. I'm sure it's like that, otherwise people would leave their balances at 9,999 all the time.
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