Amboy Direct Premium savings (
http://www.amboydirect.com/premiumsavings/) is 4.75% w/o balance minimum. It's not advertised on their main page so I'm sure they would prefer you take their lower rate or more restrictive options. There is a $50 bonus for carrying a $3000 balance for 3 months in their 4.10% e-saving account if you jump through the right hoops.