Even my good regional bank (Key) offers rates though Charles Schwab better than they offer their own customers. I asked them why and they said simply "management goes where the money is available."
Other discount brokerages such as Fidelity and E-Trade do the same. Apple is simply targeting those that don't have $1000 or more to invest in a single CD.
You/your bank can buy (for you) T-bills (52 week maturities or less) (and not the same as two-year, ten year and longer Treasury notes) in increments as low as $100. The interest rate (difference between purchase price and return at maturity ) is above 4.5%. The dounside of T-bills, unlike regular two year, ten year and longer Treasury notes, is the interest (gain at maturity) is taxable at the federal level. But, the capital is protected and the risk is low to nil.
It looks like you’re talking about CD rates. The article is about savings accounts with a card attached for purchases with rebates.