Which to choose?

I’ve finally decided that it’s time to move some of my savings to an internet bank with the much higher rates.  How much higher?  My Credit Union only pays 0.25% on my savings right now.  They do offer another account that is tiered and would pay up to 2.75%, however I don’t have the amount of money in there to do so.  So, the question I have is which online bank to use?

After a quick comparison, HSBC and Emigrant direct come in at 4.80% and 4.50% respectively.  HSBC is a introductory offer that ends on April 30, but I can’t see them dropping it much lower than that afterwards.  ING, the other one I added to the comparison didn’t even come close at 3.80%.  Have any of you had any experiences with either HSBC or Emigrant that you would care to share?  Leave me a comment and let me know!

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