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ING Direct at 4.15%

LAMoneyGuy [3] saw it before I did but looks like ING Direct has upped its rate to 4.15%. My ING [4] and Emigrant [5] are linked (you can’t link them anymore unfortunately) so I just pop the money between them as I chase rates pretty seamlessly.

With HSBC and Emigrant both at 4.5%, you should only be going with ING Direct if you haven’t received a $25 referral bonus yet (contact me if you’d like one [6]).