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The 0.01% interest rate offered with this savings account is about 0.12% lower than the market average interest rate. A high-yield savings account will provide better returns on your deposits.
How Interest is Calculated. Your Interest Rate The APR for purchases is the prime rate plus 22.74%. We use a daily rate to calculate the interest on the balance on your account. each day. The daily rate for purchases is the APR times 1/365. As of January 1, 2016 the daily rate for purchases was .07190%. (APR 26.24%).