United Heritage Credit Union. You have to be a resident or work in Austin Texas. Great bank.
This has been posted before, not taking credit for it.
Bank Deals - Best Rates and Deals Look for "Local High Yield Reward Checking Accounts"
Bank Deals - Best Rates and Deals: 7.01% Reward Checking Account at an IN/KY/IL Credit Union (MidWest America) You might want to check this one out.
I don't understand CDs. They are stupid. Low %.