Some times you can get a better rate on a 26 day, 27 day, 28 day ,etc than on 30 days it changes every time you go into any bank, you need to discuss whats best for you every month .my bank manager always looks for the best for me every time im due he's advised me as much as 6 months and also as little as 14 days,you really need a manager that cares about his customers not one that you never ever get to see.