I use Emigrant and have never had a problem. Privious posters are correct in that the interest rates will be going down because the FED lowered interest rates by 50 basis points. This should be only for the short term. Interest rates will rise again in my opinion. Using a ROTH to access money, any retirement account, or Health Savings account to access funds is not a smart idea ever. Once you take those funds out of a ROTH you cant put them back in to the account. Borrowing from a 401K is stupid too as you are going to pay taxes on that money twice...once when you pay it back because you are using After Tax money from your paycheck to pay itt back, then you will be taxed on it again when you withdraw it for retirement.

As for higher interest rates for the short term, there are a few good deals out there. Because of the housing bubble they will go down in the short term.

If you are looking into getting a better yeild and have longer time horizon then oil investment trusts are a good way to go as well. They are taxed at a lower rate as well as some are based in Canada and you can receive tax credits on IRS 1040. There are many places you can grow your money but the rule of thumb is this...The less risk the less return. The more risk the greater the return. Dollar cost averaging into the markets is the best way. Remember we are going through a state of inflation the likes of we havent seen since the baby boomers killed our economy in the 1970s. The only difference today is the interest rates arent raising to reflect it as it occured then. I think its only a matter of time before that happens. As the baby boomers age they will continue to demand that their children and grandchildren pay for their greedy life style with higher interest rates, taxes and a lesser standard of living. My advise is save as much as you can and invest it for when we are hit with a huge tax increase in 2010. The tax burden on the lowest wage earners will increase by 33% in 2011. Thats already written into law and will occure.