In the same vein, Interactive Brokers will give you 3.26% on a margin loan if you have over 100k in your account. At rates like that you're better off capitalizing the interest and letting the securities you bought on margin appreciate. Obviously don't do this if you don't know what you're doing, but it's actually perfectly safe with a proper options hedging strategy that ensures you don't get a margin call.

To be clear this isn't financial advice, just an observation about what many people are doing due to the low rate environment.