ING Direct or Capital One Savings Account?

Which is a better savings account: ING or Capital One? Capital One offers 4.88% return while ING offers 4.5%. However, ING has more investment options. I'd like to have a standard interest gaining savings account to be used to save for house downpayment in three years, but I also would like something to be able to invest money into. Or maybe both?

ING.
They also have a electric checking account. If you keep more than 50k they pay more than 5% APY

I've had an ING savings account for 4 years and have no complaints.The 4.5% is what it's at now but that will change.When i first started it was 3% then 2.5 then 2 then it went back up at what it's at now.

They also have a large selection of mutual funds to pick from that seem to do well.

I've had ING for about 7 months and I love it's ease and friendly feel. I've never considered Capital One before, but now after reading this question I will look into it.
Seems you should go with ING for now.

I also heard it's a good idea to have more than one account. So open a few at different places and see what works.

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