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You're talking about a difference of about $6 a month. Not a lot, but it depends how much you value your time.
One thing to consider is the Emmigrant Direct accounts are kind of a pain to open. Not only do you have to do the verify a small deposit in your bank accout but you have to wait for something to come in the mail. The whole process can take two weeks.
Another thing to consider is that ING generally increases rates when other banks do. Emmigrant Direct has historically been higher then ING by a few tenths of a point, but usually when Emmigrant Direct or Capitol One go up, ING does a bit later. Not to quite the same level, but close.
I personally think that ING has a nicer interface as well.
By the way, I have accounts at both banks, one's my long term savings and the other is my place to stash cash I won't need for a few weeks.
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