US treasury rates are at all-time lows, and the shortest maturities straddling zero percent interest. First, let us highlight that zero, or worse negative interest rates make almost no sense and cannot be sustained. For this Stalwart, they are a sign of true panic without refrain to logic. Basically risk-averse investors mind as well put their money under "the mattress". Which for financial institutions, by using the term "mattress", I mean other forms of government-insured financial accounts and earn more, or at least earn nothing. Heck buy some corporate bonds backed by a rock-solid corporate with little leverage. They are probably more solvent than the US government and will pay you substantially more.