I've had an ING Direct (now Capital One 360) account for a decade or so. I've seen the interest rate drop from 5% or so to .75%. So yeah the returns are pitifu

I've had an ING Direct (now Capital One 360) account for a decade or so. I've seen the interest rate drop from 5% or so to .75%. So yeah the returns are pitiful in a savings. The rates on CDs are lower than the one on the savings account.