Articles tagged “Federal Reserve”
3 articles
mortgage9 min read
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Lock Your Mortgage Rate Now, or Wait for the Fed's September Meeting?
The Fed held rates steady on July 29 and meets again September 15–16 with fresh economic projections. Here's how to think about rate-lock timing instead of guessing.
SmartRates Editorial Team
August 21, 2026
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