let's also keep in mind that GMAC bank's rates didn't "go up" when GM starting really having trouble (well, the really bad trouble of late), they've been competitive with the other online banks since the interest rate bonanza started.

since I began shopping, ING, ED, and GMAC bank have always been in the discussion. the only "newcomer" for me was HSBC (not because they haven't always been competitive, they just never appeared near the top of Bankrate's list back when I first began looking).