How fast we go up is dependent on the fed. Since 2007 the rates have been going down because the fed wants to give our money to the bankers and insurance companies. Once they decide to stop giving our money to the top 1% we can start getting a decent return on our money. The fed seems to be happy to give our money to the top 1%. It will probably be slow in coming unless we have an inflation issue. It is pretty sad the way the treat the older generation.