APY of all these online savings accts will drop soon. Citi 6-month CD is 3.50% now compared to 7-month 5.35% promotion a quarter ago; Ultimate Money Account still at 4.50% and Ultimate Savings 3.75%. HSBC is even lower. Online Savings still 4.25% but 4-month CD is 3.05% lowered from 4.85% at year-end promotion. Feel so lucky about timing.