IMHO – savers should always have accounts at different banks. Although I had been building a 1yr at ING Direct, their constant reduction in rates has been annoying. Indeed, the rate on 1 year CD's is a staggering 1.5%. This month, I am getting 2.25% from USAA.
Simply put, USAA is paying 50% more than ING. Over a long period of time, it will add up.