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It is at 4.4 but in the account it says 4.75. Does it change at the end of the day?

This is the same thing that happened when the rate dropped from 5.0% to 4.75%. The website changed one day before the account status changed. Since we're on the subject, is anyone thinking of changing savings banks? I'm pretty happy with ING Direct, especially how easy it is to move money in/out. If the rate drops too far (3.5%?) I'll probably move my money elsewhere, but I am happy now.

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