I hate command-line FTP, so I gravitate towards apps that can do things visually. I use Transmit for my day-to-day FTP needs, but I just found a tip that allows for bargain-basement FTP access via the OS X Finder: Use the Go > Connect to Server function. In the server address field type ftp://username@ftp.server-address.com, substituting your information as appropriate.
Duh. I feel stupid.