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In case you are interested, INGDirect.com (no minimum balance) and Umbrellabank.com ($100 minimum) are offering *standard savings accounts* at 4.40% and 4.45% APY respectively.

If you are looking for higher yields and more flexibility, this might be a better way to go than a MMA. I plan on using this as my emergency fund until I have enough to get into a Vanguard money market fund (~6%)
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