I have $50k+ in my personal (taxable) and $50k+ in my retirement accounts. If I am conservative - I use a CapitalOne360 savings account (that in Sep 2016 yields 0.75%). 

For my cash in IRA (traditional and Roth) and also in my brokerage (e.g., Fidelity), how can I achieve a similar product (that has a fixed interest) and can not "break the buck". I would want Brokerage supplied CD or some "savings account" that would yield 50% of my saving account (so let's say 0.43%; I am willing to lose some profit in exchange for product for "busy parent") and have no downside risk. I don't have time to wait for CD offers and manage CDs bought on the 'brokerage CD market'. Why a broker can't provide a product like an online savings account?   

*(Is it because banks need basic capital and are willing to pay premium rates for that and brokerage is not that desperate for people's money?)*

*(Also, I don't want a bond fund; I think bond funds can go down - and I want a product that would never lose money (like a bank savings account).)*