I would like to keep my emergency fund cash savings with BECU because I love my credit union and want to be a loyal customer. However lately I have been more and more tempted to move that money to the online savings account providers like Ally, ING Direct, Synchrony, Capitol One, etc. which offer a much higher interest rate for the entire balance (not just the first $500). I realize BECU could not offer the same high interest rate due to overheard that online banks do not incur. However is it possible to be a bit more competitive in this arena?