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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.
So I started shopping for the best rates -- boy, was I given a rude awakening. Savings accounts paying 0.5% interest ; money markets at 0.9%; and CDs not too much better at 1.1% and maybe as high as 3% if I agree to lock up my money for FIVE YEARS. I was looking down the barrel of turning that $1,000 into $1,005 through a savings account after a year -- and that was before any fees.