Basically, the newest expanded you retain your bank account in the a good Computer game, the greater your rate of interest. Although not, this is not constantly the situation, and you will financial institutions and you will credit unions can get element or render private conditions from the large rates. Financial institutions and you will borrowing from the bank unions often explore a collection rate, typically the government finance rate (known as the newest “given rates”), since the a base setting prices for everyone interest-impact accounts.

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