Money Negative interest rates: What they are, how they work and whether they are coming to the U.S. May 31, 2020Russ Wiles, Arizona RepublicComments Off on Negative interest rates: What they are, how they work and whether they are coming to the U.S. Negative interest rates, in the unlikely event that they become pervasive, would drastically alter the playing field for savers as well as borrowers.