I also use Seed Savers Exchange. I have had great results with germination. I would also like to tell you about my experience with Seeds of Change. I tried them one year, I ordered about 20 packets of seeds and they were sent to me in 3 different shipments. Seems they did not have them all at the same time?

? When I received the last package of seeds, which included some pepper seeds, it was about 3 weeks past last frost. The seeds also had a low germination rate. Maybe I was just unlucky, but I can say Seed Savers Exchange sent me the seeds within a week of ordering them, long before last frost.
Randy