Bank interest vs dividend stocks

[ken-do-nim]

Citizens Bank Online has a 4.00% APR.  My own Capital One Financial sits at 3.40%.  Stocks like JNJ (2.93% yield), KO (3.10% yield), and MCD (2.26% yield) must now anticipate growth or else our mental calculus will dictate keeping cash in savings is preferable.  It's a crazy world ain't it?  Certainly stocks like Verizon (6.82% yield) are still well above bank interest, but it's also been sinking for a while.