Offer your thoughts or opinion on the input financial query or topic using your financial background.

Why have U.S. bank interest rates been so low for the past few years?
I've wondered the same thing.  And, after reading the above replies, I think there is a simpler explanation. It goes like this. When the bank goes to make a loan they need capital to do it. So, they can get it from the federal reserve, another bank, or us. Well, if the federal reserve will loan it to them for lets say 0.05%, what do you think they are going to be willing to pay us?  Id say maybe 0.04%. Anyway, I could be wrong, but this makes sense to me.