Well, with my tax refunds and yearly bonus in hand, I went to checkout CD options that might beat the 0.25% I get on my checking account. Well, let me tell you... rates have dropped. My local bank had CDs in the range of 2.5% to 3%. Well, actually you could get 4%, but you had to lock up the money for 7 years. I put some into a 3% and the rest will go to Ing which, for now, has a slightly higher rate. I just need to remember to do it when I get home.