It is amazing to me that people don't move their money around chasing yield more.

It is super easy to open accounts at multiple banks and do this, without any impact on credit scores.

4.15% is actually a pretty low rate these days. Easy enough to get 5.15% on money market accounts now.

Before you say that most American's don't have savings... this is $10b sitting in Apple's bank account, so it must be coming from somewhere.