I'm curious what sort of rates your standard or semi-standard banks pay for at call funds (eg not locked in like a term deposit)
I have an ING direct account which pays 5.25% p/a: no fees, no minimum balance to get the full rate, plus interest is calculated daily and credited monthly so it compounds. It's an electronic account, you transfer money between that and a standard account at another bank.
Speaking of the standard account, the interest rate on that one is
0.01%... but only if you have more than $10k in it.
