ING DIRECT (Score 1)

I'm in a similar situation. Best thing I've found, ING Direct. 4.35% interest, with no fee's, no catches, nothing except for good interest. It takes a few days for money to go in or out of your account, but other then that you can access your money rather easily. Even have a good referral system and is FDIC insured. www.ingdirect.com ask if you want a referral, i get 10$ and you get, i think, 25$