BitVise Tunnelier is a free-for-home use SSH client for Windows. It has sftp, and an x-term built in. You can also script programs to run after connecting to your favorite SSH daemon. The nicest feature uses SSH tunneling to secure otherwise insecure server connections. (no more cleartext passwords sent across the Internet!) Nice work, BitVise. and thanks!

Check it out here: http://www.bitvise.com/tunnelier.html