3.8 in points is absolutely ridiculous.

You can do better than that with chase, citibank, wells fargo, bofa, any of the big banks.

Staying local does nothing for you, call one of the big places, get teh best rate you can, set up an online recurring payment and forget about it.

__________________
You have your way. I have my way. As for the right way, the correct way, and the only way, it does not exist.