On the rate dropped at Incredible Bank mentioned above: interestingly enough, they didn't change the rate on the website until today (early this morning it was still showing 2.02% and now it is 1.74%). Just checked my email before finishing this post: I got two emails from them, the second of which is headed "REVISED" and shows the date of the rate change as Feb. 19. 2010. Of course the rate would drop only 15 days after I finally opened an account. C'est la vie!