Yes but then you have to use those banks, set up accounts, deal with transfers, etc. Just wait, you'll be able to buy and sell stocks and open up an IRA with Ap

Yes but then you have to use those banks, set up accounts, deal with transfers, etc. Just wait, you'll be able to buy and sell stocks and open up an IRA with Apple here within a few years at this rate. I also wouldn't call it below market rates. I'd call it "below the highest market rate" because rates for savings accounts vary and there isn't a standard "market rate".