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  The cost of a 30-year fixed rate home loan has jumped from 3.5 percent in February to about 4.7 percent now. But the gap between the rate banks charge borrowers and what savers get is growing: “While it has become more expensive to borrow money, when it comes to actually growing wealth there’s still no opportunity there in terms of interest rates offered,” says Casey Bond of Gobankingrates.com. People who rely on bank savings accounts are getting virtually no return. “Right now the average interest rate on say a savings account in the US is 0.11 percent,” says Bond.