> The effective federal interest rate is 0.33% today. It was 2.4% before COVID... I believe it is actually over double that and sits around 0.84 https://www.n

> The effective federal interest rate is 0.33% today. It was 2.4% before COVID... I believe it is actually over double that and sits around 0.84 https://www.newyorkfed.org/markets/reference-rates/effr https://www.newyorkfed.org/markets/reference-rates/effr