Those 6.1% APYs look sooo tempting but I know soon after the deposit they'll lower it. It's bait and switch. I remember opening my first ING account when I joined this site back in 2005, then I switched from there to Emigrant because ING lowered their rate after about a year, then 6 months later I had to switch to HSBC because emigrant's rate went down. Guess what HSBC rate went down too a few months later so now I want to see they guarantee the rate for at least 6 months for it to be worth it for me.
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