I finally got around to opening a savings account with Presidential Online Bank, to take advantage of their 4.12% interest rate. I took $25,000 out of my E*Trade money market and the deposit finally cleared. This is part of the money I have earmarked for a down payment on a home someday soon, so who knows how long it will remain in this account, but for the short term at least, I'll be earning a bit more interest on it. As some of my CDs mature, I may move that cash into this account also. I'm a little nervous about putting more money into stocks and mutual funds right now, and I want to keep some liquidity in case I find an apartment.