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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.
Rate of interest R = I / PT, where I is the interest, P is the principal amount, T is the interest period, and R is the rate of interest. Rate of interest can be annual, half yearly, or quarterly according to the deal made. Jerald borrowed $4,000 from a bank for a period of 4 years at 4% rate of interest per annum.