We are trying to put together a $20K emergency/savings fund. Once we have it, is it worth it to use an online account like ING? I saw that their rates are .80 right now. The other alternative would be to keep it at our current bank and/or credit union, but the interest rate would be a bit lower.
Obviously, we'll earn more interest with the ING account, but it won't be a huge amount. Is it worth it to move the money?
If you use ING, are you happy with it?