Emigrant had been at 3.6% but recently dropped to 3.3%. Last year at some point FNBO had a high promo rate and I opened an account there. Right now FNBO is at 3.85%.
www.fnbodirect.com
But FNBO has the worst website, their transfers take at least 2 days longer than any other online bank and even though I opened 2 accounts they don't allow you to transfer between accounts, you can only transfer to and from outside account. It's just difficult to deal with them.
Everything has dropped so much. My local bank
www.Amtrust.com had a special that ended last month for a Money Market Account at 4.5% for 3 months. That's the highest I had seen. Amtrust also has a "Gold Savings" that had been at 3.5% for months and that dropped to 3% and now to 2.75%.
Amtrust also has an online savings website -
High Interest Savings Accounts Online: Compare Savings Interest Rates with an e-savings account at 3.75%.