Interest rates for fixed deposit accounts and cash bonds currently exceed those of standard savings accounts, with average rates at 0.73% for one-year terms and 0.84% for ten-year terms. However, significant discrepancies exist among banks, with one-year rates ranging from 0.25% to 0.9%. Short-term investments of one to two years are particularly appealing alternatives to savings accounts, despite potential account management fees that could affect returns.