Do savings always pay 1% annually?

Below one million, base interest is 1% of the balance. At or above one million, ordinary savings calculate interest on one million, producing 10,000. Investment instead applies the previously generated rate to the whole balance, configured between −3% and +3%. Loan interest is 3.5% per game year and adds to debt; existing debt prevents another loan. The base single-loan cap is 9,999 and withdrawal cap one million. All years are game years.