No, no - I wish! 3% on the Kasasa account.
The compounding growth is higher at 3% than the diminishing loan interest at 5.5%.
Compounding interest for $40,000 at 3.0% annual / 5 years = $6,370.96 interest made
Diminishing Interest for $40,000 at 5.5% annual / 5 years = $5,843.00 interest paid...