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In early November, Sallie Mae Bank raised the rates on its Money Market, High-Yield Savings, and several CDs, keeping the APYs within striking distance of the rate leaders. Since that time, Sallie Mae Bank hasn’t raised any rates, and in fact, it actually lowered its 12-month and 24-month CD rates in early February. Consequently, Sallie Mae Bank has fallen behind as competitor banks have been increasing rates.