ING Direct Savings Account and CD's Review

ING Orange Savings account & ING CDs   online at  INGdirect.com

A very close friend introduced us (me & hubby) to ING for a basic saving acct, and even now, when the markets have turned, I can still get a "decent" interest rate without having to plunk down tens-of-thousands-of-dollars into a CD or the basic Orange Savings account.   We've had BOA as our checking for a long time, and still have a tiny savings w/them as well, but our extra $$ (when we have it) goes right into ING.  I'm talking peanuts here folks!  Good interest rates on Peanuts! LOL  We're scraping to have an Emergency cushion, and most folks I know are like us, paycheck-to-paycheck but getting by.  Nowdays, seeing teaser ads for brick-and-mortar banks, in order to get any kind of interest over 3%, require $10,000+ minimum opening deposits & then require 36+ month CD terms!  Sorry, if I had that kind of money I wouldn't be in debt anymore! LOL  BTW this is NOT a solicitation for me to refer anyone, but seriously they do offer referral incentives.  Go ask your close friends and get a few extra bucks for each of you. :-)