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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.
The Insight Savings Account has an APY rate of 5% (as of January 1, 2015) with a maximum balance of $5000. The best way to add money to your card is have your paycheck or Federal benefits deposited automatically at no charge.