This is a snapshot of the  Top Online Banking instutions offering their competitive rates as of March 2009 (March 12, 2009).  We search the rates so you don’t have to invidually visit their sites.

Name	APY Yield	Detail
	2.15% APY	FNBO Direct – No minumum balance, no fee
	2.00% APY	Emigrant Direct – No Minimum Deposit; All products: Savings Accounts, Checking Accounts, Credit Cards, IRA
	2.15% APY	E*Trade – No Minimum Deposit; All products: Savings Accounts, Checking Accounts, Credit Cards, IRA, Mortgage, Home Equity, Brokerage
	1.85% APY	HSBC Direct  – No Minimum Deposit; New Online Deposit Only; All products: Savings Accounts, Checking Accounts, Credit Cards, IRA, CDs
	1.65% APY	ING Direct – No Minimum Deposit; All products: Savings Accounts, Checking Accounts, Credit Cards, IRA

E*Trade Financial is giving you $25 just for opening an account with them. Minimum opening deposit is only $1.  Compared to big national brick and mortar banks, E*Trade is offerering 2.15% APR rate which is about 10X the national average.