Wow. Best I can do is .45% with a $100,000+ balance in a money market. Standard savings is .2% at my local credit union (this is the one I half jokingly said I'd get a better rate of return than Social Security).
I moved my savings to ING Direct about two years ago. When I opened it I was getting 3% but now it's only sitting at 1.5% and I thought I was still doing good comparatively.
Yeah, I’ve had similar experience with my WaMu account. when I first signed up I was getting 4.98%, but I’ve seen that plummet to 0.83% last month.
A few months ago, I moved most of my cash to my credit union, which has been b/w 4.51% and 4.61%, pretty steady.
PM me if you want to check out their webpage. Being a local branch, I’m not sure whether you have to sign up in person.
The 4.61%(ish) is good for the first $30,000; balances above that get around 0.51% (I believe).
Also, there are a few requirements that have to be met each month.
(1) You agree to receive online statements (in lieu of mailed paper)
(2) At least (1) automatic transfer either into or out of the account.
(3) At least (12) debit purchases made with the debit card.
Let me know if you’re interested and I’ll hook ya up!