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A bank is a private business. Generally, it sets its own interest rates on savings accounts.
If you feel that your bank does not pay an adequate interest rate, you can shop around and purchase your financial services accordingly.
See Also
How Are Mortgage Rates Determined? A Comprehensive Look At Mortgage Interest RatesHow The 10-Year U.S. Treasury Note Impacts Mortgage RatesHow the Federal Reserve Affects Mortgage Rates in 2024How Mortgage Rates Are Determined: A Guide | Quicken LoansLast Reviewed:April 2021
Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on HelpWithMyBank.gov should not be construed as legal advice or a legal opinion of the OCC.
