I have roughly $3200 in my savings account at a local bank and am only getting 92 cents in interest a month. That equals $11.04 a year in interest earned. Now according to my rough calculations, that means I have a yearly interest rate of  .345%. If I go to Emigrant Direct or ING as I plan to do, I'll be able to get at LEAST 8 times the amount of interest (assuming an average rate of 2.75%).

It may not seem like much, but it will add up to at least over $75 in interest a year instead of an abysmal $11.04.

Getting 0.75% at the bank here on savings.

I get 0% at my local credit union but they give me free checking, no min balance for the checking account.  The acct is liked to a money mkt account and I transfer any $ I dont need into the MM acct which gives me a whopping 2.25% maybe,  better days are round the corner, wont be long until you see 24 or 27 month cds for 5%+

Savings account?  What is that?!?!?  

Put your money in the stock market!  It averages about a 10% return a year!