Cyberduck is the best free ftp client I’ve found. It allows you see and ftp hidden files which is a plus, but it’s user interface can be a bit awkward as you need to drag and drop your files from finder into cyberduck. It is free though, so you can’t really complain.
rating: ***
usefulness: 6
ease of use: 10
minimum user level: medium
cost: FREE
download: Cyberduck
Have you tried Fugu? I like it’s ability to do scp and sftp, which I use a lot more than regular ftp.