I checked the other day for rates on safe/conservative investments like US Savings Bonds (they get ‘re-set’ every May 1st and Nov 1st)- the fixed portion of the variable-rate Series I bond is 0.10% while the interest rate on a zero-coupon Series EE Bond is 1.64%.
Certificates of deposit aren’t much better, altho’ I had a feeling about the piss poor rates of return for the Savings Bonds by looking around at CD Rates prior to May 1st….