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ING Direct will let me open a Roth savings account at 2.50% APY right now with no fees. Where else could I do better? Anywhere?

Most Credit Unions have the same rates for IRAs (any kind, including Roths) as regular term certificates.

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It's getting difficult to find 3% CDs with terms under one year and 4% CDs for any term at banks. The best rates continue to be at credit unions as they are not cutting rates as fast as the banks. Several federally insured credit unions continue to offer yields around 4.50% on 5-year CDs.

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