My MMA is down to 2.5%, bummer. I know there are online accounts -- I need most of my MMA available and liquid at present, owing to bathroom renovation.
What this means is that my best savings accounts right now are: my son's account (up to $500), the Save Yourself Account, and the house. Fortunately my credit unions and mortgagor are promoting the "let's talk about the equity in your house" deals... perhaps a raise to $40K in the HELOC isn't out of the question. My line of credit has risen by 20% though, without any prompting from me.

In happy mortgage news, I am twelve payments away from the point where I pay more principal than interest.

I may put more money toward General Electric's direct purchase plan: it's trading at a low, and has a nice yield.
Today I pretended my boy has a future and put $100 in his college fund, and I pretended I was going to live to see 68 and put $280 in my Roth IRA.