So far, the best deal I've found is ING. I'm up to a 4.5% interest rate with no fees or minimum balances, and I can access the money any time with an electronic transfer. This is something I use to supplement what I keep in checking - in case of car repairs or other bills coming up, but I have a few days headway. The interest rate is great for this.

What about you?

2007 is around the corner, perhaps good investment deals are coming up during the first week of the year.

Online banks can offer great rates for such a purpose. I keep a fair amount in an online money market as well. It's a good place to keep cash reserves.