Have some money in money market, that has only a $1K minimum balance requirement, which pays 2.2% APY - and that rate guaranteed to at least Feb-2005.
Key to finding good bank rates is to think small...as in small banks...new, upcoming banks tend to have much better rates.
Call around...if you're in a rush and/or don't mind using an "on-line" bank, then check out Capital One Bank, E-Trade Bank, etc.
Check out
http://www.bankrate.com/ for national savings/CD rates.
(sadly their site has become really shitty lately - lots of pop-up crap)
Ron