American savers are missing out – because bank interest rates are trailing the Fed's benchmark by a record amount
The lag between the interest rate that banks offer customers on $18 trillion in deposits and the Federal Reserve's benchmark is at its biggest in 30 years.
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### Instruction: American savers are missing out – because bank interest rates are trailing the Fed's benchmark by a record amount

### Response: The lag between the interest rate that banks offer customers on $18 trillion in deposits and the Federal Reserve's benchmark is at its biggest in 30 years.