ING Directs plummeting interest rate?

So ING used to be the highest interest rate for an internet bank, and it's plummeted pretty steadily for the past 6 months or so. When I joined it was 5%, now it's barely 3.5%...is it time to jump ship to another internet bank? Is this a sign of money problems and them closing up shop, or just their way of dealing with inflation or recession worries? I've been real pleased with them so far but now I have CD's with higher interest rates at local banks so I'm wondering if it's worth it. Any other current ING customers feel the same way or can give me more insight?