Carrying credit card debt? Been a customer of that bank for a year or more?
Give them a call and ask if you now qualify for a lower rate. If you can cite other rates you've been offered recently this may help.
They may also offer to give you a very low rate if you transfer other debt to them – sometimes you get blank checks in the mail for this. Always check to make sure the rate isn't for a shorter term than it will take you to pay off the money and that it doesn't then switch to a higher rate then you are paying now.
My personal philosophy is to stick mostly with the bank that gives the best service (for me, Wells Fargo Visa, who I've been using since 1989) and who put the least advertising in their bills (unlike those cheeseballs at Direct Merchant Bank with their damn Lillian Vernon catalog-like ads printed on flaps attached to the dang envelopes. No, I do not need a cheap plastic rain guage). I will occasionally make forays out to other banks to take advantage of special offers, but now that I've been a customer for so long and have a good history, Wells Fargo will often match deals. Never hurts to ask.
Discardia 