It's not just the interest rates in the US its also the stock market and pretty much all investments are feeling the pain. I personally know of people that have lost $50,000 due to all the economic problems. That is primarily why I want to find something that is virtually risk free and CD's seem to be the way to go.
Thanks for the info, I will check out QNB and see if it fits in with what I want to accomplish. 2.75% is not much but if it is variable as the economy picks up so will the percentage points.