[terry1156]

I'm not sure what he is referring to, but this comes from the EmigrantDirect fequently Asked Questions:

<b>Is EmigrantDirect's 3.25% APY on the American Dream Savings Account a "promotional" offer?</b>

<i>Not at all. In fact, the current APY reflects an increase from 3.00% APY to 3.25% APY effective 3/14/2005. Emigrant Direct is committed to offering the 3.25% APY through 2005. The rate may even increase, based on market conditions.</i>

That says to me that the rate will stay at least that high through the end of the year as long as interest rates don't start declining.