With T-bill rates this low we will see a gradual shift towards lower interest rates.   Online Savings Account giant ING Direct lowered their APY from 2.40% to 2.20% on Feb 3.

While ING Direct typically does not have the highest rate the customer service and the security features of their website are some of the best in the industry.  And 2.20% APY sure beats a regular bank money market account.  Visit ING Direct for more information.