If the economy wasn't bad enough, banks like First United Security in Thomasville Alabama are continuing among the top in greed. With home values falling, access to credit limited, and decreases in credit card limits you would think your local "hometown/community" bank would be trying to help people survive. However, not the case here at First United Security Bank. They are now increasing their interest rates and trapping the consumers. If you have a loan there it may be difficult to refinance. So, First United Security raises your rate because "they have you." There should be regulation created to prevent situations such as this. The government continues to lower rates but First United Security continues to raise their rates. This is probably due to considerable lost profits over the past few years. Price gauging is not allowed by the law in regard to gasoline prices....etc, but I guess when you spend millions each year for lobbyists in Washington then the government turns their head to gauging on loans. Would love to hear other stories like this one.