It is possible for the system to pay interest on SBD that is held in your account. Lately it's been 0%. This interest rate is determined by the witnesses (mostly the top 20 witnesses). They should set their interest rate to something higher. I'm a witness too, so I set mine to 3%.
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@neoxian, thanks for the reply and further explanation about the interest rates.
I always noticed "Tokens worth about $1.00 of STEEM, currently collecting 0% APR." on my wallet screen, but I was never sure how the interest rate was determined.