Which of the following interest rates is typically the lowest?

Savings bonds typically offer lower interest rates compared to other options listed. This is largely due to their nature as government-issued securities designed for long-term savings rather than high returns. The interest rate associated with savings bonds is often fixed and lower than those offered by bank rates, money market accounts, or certificates of deposit, which are all competitive financial products aimed at attracting investor capital.

Bank rates and money market rates tend to fluctuate based on market conditions, often resulting in higher potential returns since they accommodate varying degrees of risk and liquidity. Additionally, certificates of deposit usually require a fixed term and provide higher interest in exchange for locking in funds for a specific period, reflecting the increased commitment from the investor.

In summary, savings bonds provide a safe, stable investment option but with lower interest rates, making them attractive to those more focused on security rather than maximizing returns.