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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.
Definition: The prime interest rate is what U.S. banks charge their best customers. It's usually the best loan rate available to non-banks. It's also called the prime lending rate, the prime rate, or even just prime. Banks base the prime rate on the federal funds rate. That's the rate banks charge each other for special overnight loans. They borrow fed funds from each other to fulfill the Federal reserve requirement each night. For example, o December 15, 2016 the Federal Open Market Committee raised this rate to 0.75 percent.