No. of Recommendations: 1
A separate division of Emigrant Direct. Their nearly-identical American Dream account is down to 2.05% APY.

Just a quick note that if you are in both EmigrantDirect and DollarSavingsDirect, for FDIC purposes that is "the same bank." That is, accounts in both divisions are aggregated and the totals for one individual or one couple cannot exceed FDIC limits for "one bank" to qualify for protection, even though these are being marketed as "two separate banks" (different names, different interest rates, different account numbers.)
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