FDIC says the national average is 0.35% for savings accounts; Bankrate survey of banks says 0.24%. Granted this included dinosaurs taking advantage of their cus

FDIC says the national average is 0.35% for savings accounts; Bankrate survey of banks says 0.24%. Granted this included dinosaurs taking advantage of their customers, but the point is that it's weird to use the maximum to make claims about "market rate". Of major institutions that are trying to compete on rates, it seem to be 4.0% +/- 0.5%.