活钱存哪里？(1/17/2007 updated) ZT

Checking:
Presidential       www.presidential.com   4.50% $1000 min & DD JHQ 3-8

Savings or MMA: see http://www.fatwallet.com/t/52/437553/ for current rates
UFB Direct         www.ufbdirect.com      5.31% $0 min
AmTrust            www.amtrustdirect.com  5.30% $1 min $1K open
AMBOY  www.amboydirect.com/premiumsavings 5.25% $1 min
Presidential       www.presidential.com   5.25% $0 min$35K max JHQ 3-8
E-Loan             www.eloan.com          5.25% $500 min $5K open JHQ 3-43
GMAC               www.gmacbank.com       5.10% $500 min       JHQ 3-4
EmigrantDirect(ED) www.emigrantdirect.com 5.05% $1 min         JHQ 3-3
HSBC               www.hsbcdirect.com     5.05% $1 min
Citi               www.citibankdirect.com 5.00% $0 min & checking
WAMU               www.wamu.com           5.00% $1 min & checking
 (open Free Checking, the one with free wire, 
  you can see that special online offer - 5.00% savings )

CD: see http://www.bankrate.com/brm/rate/high_home.asp for current rates

Treasury Products:  www.treasurydirect.gov
 Not subject to state/local income tax.
 To calc equivelent CD rate Rcd=Rtrea*(1-Tfed)/(1-Tfed-Tstate)

T-Bills:                                                        JHQ 3-42
 Rate changes every week, good replacement of 1/3/6 month CD
 see http://wwws.publicdebt.treas.gov/AI/OFBills for recent auction results
 see http://www.fatwallet.com/forums/messageview.php?catid=52&threadid=588518 
 for more information.