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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.
But the pay-off is lower interest rates. For an SBA-backed loan, the lender can't charge more than the prime rate (as published in the Wall Street Journal), plus 2.25% for a loan due in less than seven years. The prime rate is currently 3.25%. This would bring your interest rate to a maximum of 5.5%. For loans due in more than seven years, the maximum interest rate is prime plus 2.75%, which would bring it to 6%. The SBA allows lenders to pass along certain fees to borrowers.