I really liked ING, but have since found other online savings bank with more competitive APRs (over 5%). If you don't have an online savings account, you should definitely get one. 5.05% at HSBC and EmigrantDirect. You can open multiple accounts, so it's a great way to organize your savings. If you don't have any savings, then build some by setting up a transfer to save $10, $100, or whatever you can afford automatically each month.
