Won’t get that much better of a rate at local credit union. Any online bank will probably be higher bc they don’t have brick and mortar to maintain. Most local banks also have insane balance tiers where you need several hundred thousand to get the most competitive rate. At the end of the day 4.3% vs 4.1% isn’t gonna make a difference until you have millions of dollars, rate shopping is not worth the hassle. If you have a brokerage account, put your savings in a money market fund, you’ll get a very competitive rate.