AmTrustDirect is listing a 5.11% APY promo rate guaranteed for 90 days on its e-Savings Account. This is the best savings account promo that’s avaiable now that UmbrellaBank ended its 3-month promo. EverBank is close behind with its 5.01% promo. With rates falling so drastically, this will be the only way you can ensure a decent savings account rate for at least a little bit of time. These give you the rate lock of a 3-month CD with the full liquidity of a savings account.

Here are some of the details of this e-Savings account and the promotion:

• 5.11% APY for balances from $1 to $100K, 4.60% APY for over $100K
• Guaranteed for the first 90 days
• No minimum balance fees
• Promotional rates available only for new accounts opened with funds not previously on deposit with AmTrust Bank
• Limit of one e-savings account per customer.