Articles tagged “Federal Reserve”
2 articles
savings14 min read
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How Fed Rate Cuts Affect Savings, CD Rates, and Credit Cards
A Fed cut does not hit every account at the same speed. Here is the transmission path, the dollar impact of each 0.25-point move, and a practical before-and-after checklist.
SmartRates Editorial Team
July 26, 2026
savings7 min read
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CD Rates Are Slipping in 2026: Should You Lock In Now or Wait?
The best CDs paid 5% in 2024. Today the top rate is closer to 4.30% — and the Fed's next move is more likely down than up. Here's how to think about locking in before rates fall further.
SmartRates Editorial Team
June 23, 2026