Just realized that my ING Direct savings account is now paying out 3.75% interest. Not bad for a savings account. Not bad for a 12-month CD for that matter (not the best, mind you, but more than many).
I only keep short-term dollars there, money I’m likely to need soon, but I find it quite easy to make fee-free electronic transfers between it and my two checking accounts. (Which also makes it a good workaround to make free electronic transfers between those two checking accounts.)