I like to open up a savings account please .   O . K . We offer a few different kinds .   I want the one with the highest interest rate .   That would be our Saver's Plus account .   4.5 % , that's good . How much money do I have to keep in it to get that rate ?   You have to maintain a balance of $ 10,000 in the account or the rate drops to 3 % .   All right . I ’ ll open one of those . 