Although this might not be considered "fraud" in the legal sense of the word it is CERTAINLY misleading at best. Gov Rewards displays rates to the members net of all savings credits (which you may or may not have any). It does show the market rate and lists (in my case) a savings credit of $8.00 which brought the rate down below market rate (on other websites) but when you go to book that rate it adds the supposed savings credits back in there. User's recommendation: I'd be careful... I'm probably not going to use them again.