How Bank Spreads Really Work (Most People Miss It)

Added: 2026-05-26

[00:00:00]$58.

[00:00:01]That's what your bank pays you for 10,000 in savings, [music] and they earn 400. That's almost seven times your interest on the same money.

[00:00:09]Your 10,000 sits in [music] their account. They park it at the Fed for almost 4% or they lend it out as mortgage at 7%. [music] You get $58. They keep the rest. This is called net interest [music] margin. Your money funds their margin. Now you know.

[00:00:24]Move it to the high-yield savings accounts. [music] Your future self will thank you.