We bring access to a MMF ("money market fund") where 99.5% is invested into government treasuries. The MMF that we use has a minimum investment of $500M (you read that right!), but we are able to bring in members with an investment as small as $100. We make 0.20% and pass on the rest to you. When you leave money in a savings account, banks can choose what rate to pass on and how much to keep, which is why some savings accounts have rates as low as 0.05%.