mikesims said "I just renewed mine and it was 2.59 fixed 3 year . Lol now this was done 2 days before the cut . Wish I would have waited lol but I still think that’s a good rate . "
you should call and see if the bank can do anything for you since it was less than a week ago...
the other option they may give you is to take the penalty.. and you still be ahead in the long run.