<prompt> Human: Here I am reading up on this stuff and examples math problems I see have an apparently glorious APY of 5, sometimes more.Am I just looking in the wrong place?Wells Fargo, 0.5Bank of America, 0.01Citigroup, 0.01JPMorgan, 0.01  <response>: It has been that way for years. Central banks have been keeping rates low in an effort to promote economic growth. If you look around you will small banks arent much better. Only banks paying interest at even 1 are online only. 