conversation: User (chrischoy): "Last increase was ~3 months ago from .87% to .9%."
  Self: "Despite the lukewarm reception here, I think this is fantastic.  It may be a small increase but it's positive and still the rate increase alone is greater than the rate many savings accounts pay."
  thbt101 (thbt101): "This is insignificant in so many ways.  \n\nIf you have $50,000 in the account, this 0.05% change is a $2/month difference.  Insignificant.\n\nA ~1% APY is still approximately zero for all practical purposes.  It's less than inflation.  Any money you have sitting in a savings account at today's rates should be thought of as earning less than nothing for all practical purposes.  It's your emergency fund, that's all (or temporary savings for a future purchase).  It's not invested. "
  FlyingPheonix (FlyingPheonix): "Exactly it's your emergency fund and having the highest possible interest rate on that as possible allows me to re-allocate additional funds to my emergency fund less often. My emergency fund is not decreasing by 2.5-3.5% each year but instead pacing inflation better than any equally safe alternatives."
  