Ordinary people can't access the interest rate on the excess reserves, but it still affects them.

普通人无法获得超额准备金的利率，但它仍然影响着他们。

Commercial banks lend those excess reserves to each other at an interest rate and they also can deposit their excess reserves at the central bank.

商业银行以利率将超额准备金借给彼此，也可以将超额准备金存放在中央银行。