@georgeob1,
If you really believe banks are holding interest rates low, you're not a borrower. Or better still, what interest rate are you paying on your loans from the bank?
Also, how much are you earning on your savings account, and do you pay any fees to your bank?
Another fact: Greenspan and Bernanke's low interest rates have exacerbated the Great Recession by making it "easy money" for people who really couldn't pay back their loans. The banks got sloppy, and made loans to unqualified home buyers, and created derivatives that they sold, repackaged, and resold at ever higher profit margins that never existed.