Interest rates are about .02% and this is one reason why so many retired people have lost so much during the last four years the Democrats have been in the majority. Bernake is printing worthless money, then loaning it to the government to pay off thie bills, and the government issues them bonds (IOUs) and we must pay interest on those loans. Our government has not taken the step to get a fixed interest rate (stupid), so if the feds were to raise the interest rate, then the government's interest would go up and we could not afford to pay our debts. It is that simple....don't expect the interest rates to increase any time soon. Take your money and invest it in precious metals....the dollar will crash, it is just WHEN.