Rate of interest on savings bank(financing)

How high was your interest rate at the savings bank? or where did you get the money! wanted to finance 10-15 000€ and the easiest way would be through your own home bank, but there is usually the highest interest rate or? where did you make your financings? but I find an interest rate of 6-8 % already too high! since I pay 4000€ only at interest rates! then I thought look through the internet and shot on fortis (starting at 4.49%) well if I would get interest rates who would be nice! to fortis… application not accepted but you can never get the cistern anyway, why the not flap obovhl I am fully creditworthy no special came around there! I think times they want to cover themselves and want you to complete this insurance that if you are in case of unemployment the insurance continues to pay! but that also costs about another thousand € extra that are all so abzocker