Answer
I would say go with ing direct (4.5%)it may be a little bit lower compared to the other online banks but i have heard people like ing direct alot better than the other banks.ie security and customer service. if your interested in opening an account i can e-mail you a link so you can get a $25 bonus when you open with $250 or greater. (there are no fees or minimums so if you open with less you still get the rate but no bonus.bonus available only by referral.