Absolutely. At one point I had $10,000 in an ING Direct account. I wasn't getting rich off the interest, but the money was safe and accessible if I needed it,

Absolutely. At one point I had $10,000 in an ING Direct account. I wasn't getting rich off the interest, but the money was safe and accessible if I needed it, and seeing a few hundred bucks in growth in a year was satisfying. The APY rate went down literally every month, and now that account is closed. That money isn't gone but it's certainly not in a savings account.