Address disparities in interest rates in the United States banking industry

Interest rates for savings and investments in the United States financial system are disparate at a level that constitutes "usury" in every historical sense of the word. How can "banks" on the one hand pay a mere 00.01% or less on individual savings and simultaneously charge upwards of 20% interest on credit card balances. These disparate rates hurt primarily poor and middle class individuals who in today's economy often have to carry their day-to-day and month-to-month expenses on credit cards paying an obscene amount of interest charges. At the same time, if they were even able to hypothetically - hypothetically because in reality it's not an option - put some money into savings they would see essentially zero in the way of benefits. This is unconscionable at best, criminal at worst.