bank account/fixed term deposit/cd in euros from us

[hartop]

this isn't exactly related to the forex you do here, but y'all seem like people who might know

i'm interested in opening some sort of interest drawing account in euros, preferably some sort of term deposit to get a higher interest rate, but if that's not possible oh well

what i'm looking for
1. accessible to someone from the US
2. relatively safe (no fly by night operators)
3. small minimum deposit (less than $10k desireable but perhaps not strictly required)
4. good interest rates
5. good currency conversion rates
6. low/no fees (annual, wire in/out, etc)

most of the banks in europe that i've found require you to be citizens or residents of the country in question

i did find one in switzerland (millennium bank) but it has a $10k min, the link to the application forms on the website are broken and it seems like a huge hassle to apply (they require a letter of reference from your current bank and various other annoyances)

there is everbank in the US which is FDIC insured (a plus) that has Euro CDs but again a $10k min, they charge a 1% currency conversion fee on each conversion (into the CD and out of the CD) so you lose 2% right off the top

so then i started looking at forex

for instance forex.com will pay interest on accounts with a $10k min (although they seem a little vague on the actual amount) but the minimum lot size is 10,000 so if i want to buy euros with 1:1 (no) leverage i would actually have to have $13+k to do that? And there would be no way to incrementally add to that amount except to buy another lot for $13+k?
do they frown on making one buy and sitting on it for months/years?

is there a better way to do this? (in regards to the criteria listed above)

if a 'forex' account would be the best way, any particular company that you would recommend for my needs?

thanks