Everybody with a savings account is complaining about low interest rates. And they have a point: money market funds are still yielding close to zero, and the best online savings accounts are offering about 1%. Here’s the problem: that APY is a lie. In fact, every APY reported on every savings account and CD is a lie. Worse yet, it’s impossible to figure out how big a lie it is until (cue dramatic music) it’s too late.