After six weeks of waiting, the Fed delivers its next rate move. Plus, JPMorgan's big spending. ...

Fed Chair Jerome Powell is expected to push for an interest-rate cut this week and signal a higher bar for further easing https://t.co/f7Mlr7ordJ ...

High-yield savings account rates have been falling, but some of the best accounts still pay above 4% APY. In order to get the highest interest rate possible on your savings, it’s important to do your research and find competitive offers. Not sure where to start? Here’s a closer look at savings interest rates today and where you can find the best ones. Where are the best savings interest rates today? The average interest rate on a traditional savings account is only 0.40%, according to the FDIC. However, ...

Key Takeaways Why CD Rates Could Drop After the Fed Meeting This Week Earnings on a $10,000 CD Opened at Today's Top Rates The Federal Reserve is widely expected to make its third rate cut of the year this week, with markets pricing in nearly 90% odds of another quarter-point reduction. That matters for savers because the yields banks and credit unions pay on savings accounts and certificates of deposit (CDs) typically move in the same direction as the Fed's benchmark rate. If policymakers do cut again, dep ...

Find out which banks are offering the top rates. Money market accounts (MMAs) can be a great place to store your cash if you're looking for a relatively high interest rate along with liquidity and flexibility. Unlike traditional savings accounts, MMAs typically offer better returns, and they may also provide check-writing privileges and debit card access. This makes these accounts ideal for holding long-term savings that you want to grow over time, but can still access when needed for certain purchases or ...

Group 1: Market Trends and Economic Indicators - The price of critical metal components in electronics has surged due to geopolitical tensions and export restrictions in China, with dysprosium reaching $910 per kilogram, terbium at $3,700 per kilogram, and gallium at $1,325 per kilogram, marking significant increases from previous rates [1] - The FHFA announced that the 2026 maximum conforming loan limit for one-unit properties will increase to $832,750, with a ceiling of $1,249,125, reflecting adjustments in the housing market [10][11] - Mortgage rates have decreased for the second consecutive week, with the 30-year and 15-year rates falling to 6.19% and 5.44%, respectively, which are close to year-to-date lows [21] Group 2: Industry Innovations and Products - MortgageHalo offers an automated CRM platform designed for loan officers, enhancing client relationships and improving retention through automated marketing campaigns and timely lead alerts [7] - Eris Innovations reports a growing interest among mortgage lenders to hedge interest rate risk using SOFR-based products, which could lead to improved execution levels in capital markets [2] - The Earned Equity Program (EEP) is being promoted as a way to assist borrowers with non-traditional credit profiles, allowing lenders to support a significant percentage of FHA fall-out borrowers [9] Group 3: Regulatory and Compliance Updates - FHA has updated its Single Family Housing Policy Handbook 4000.1, incorporating previously published Mortgagee Letters and various technical edits [13] - Ginnie Mae's MBS portfolio increased from $2.83 trillion to $2.84 trillion, with significant monthly issuances supporting liquidity in the housing finance system [17] - The mortgage market is being shaped by shifting monetary policy, liquidity conditions, and technological advances, as discussed in a recent webinar [15]

The average HELOC rate continues to linger at its 2025 low, according to the analytics company Curinos. Home equity line of credit rates have been slowly drifting down for most of the year, and will likely continue the trend into the new year. HELOC rates: Wednesday, December 3, 2025 According to Curinos data, the average weekly HELOC rate is 7.64%. This rate is based on applicants with a minimum credit score of 780 and a maximum combined loan-to-value ratio (CLTV) of 70%. Homeowners have a record amou ...

High-yield savings account rates have been falling, but some of the best accounts still pay above 4% APY. In order to get the highest interest rate possible on your savings, it’s important to do your research and find competitive offers. Not sure where to start? Here’s a closer look at savings interest rates today and where you can find the best ones. Where are the best savings interest rates today? The average interest rate on a traditional savings account is only 0.40%, according to the FDIC. However, ...

Find out which banks are offering the top rates. Money market accounts (MMAs) can be a great place to store your cash if you're looking for a relatively high interest rate along with liquidity and flexibility. Unlike traditional savings accounts, MMAs typically offer better returns, and they may also provide check-writing privileges and debit card access. This makes these accounts ideal for holding long-term savings that you want to grow over time, but can still access when needed for certain purchases or ...

Core Insights - Money market accounts (MMAs) offer higher interest rates compared to traditional savings accounts, along with liquidity and flexibility, making them suitable for long-term savings that may be accessed for purchases or bills [1] - The national average interest rate for MMAs is currently 0.59%, but top accounts can offer rates above 4% APY, similar to high-yield savings accounts [3][13] - Historical fluctuations in MMA rates are largely influenced by changes in the Federal Reserve's target interest rate, with significant drops following the 2008 financial crisis and the COVID-19 pandemic [4][5][6] Interest Rate Trends - Following the 2008 financial crisis, MMA rates fell to between 0.10% and 0.50% due to the Fed's near-zero federal funds rate [5] - In 2022, the Fed began aggressive interest rate hikes to combat inflation, resulting in historically high MMA rates, with many accounts offering 4.00% or higher by late 2023 [7] - As of late 2024, MMA rates remain elevated but have started to decline following recent Fed rate cuts [8] Choosing a Money Market Account - When selecting an MMA, factors beyond interest rates should be considered, such as minimum balance requirements, fees, and withdrawal limits, which can affect overall value [9][10] - Some MMAs may require a high minimum balance (up to $5,000) to earn the highest rates, while others may charge monthly maintenance fees [10] - It is crucial to ensure that the chosen account is insured by the FDIC or NCUA, which protects deposits up to $250,000 per institution [11] Earnings Potential - The earnings from a $10,000 deposit in an MMA depend on the APY; for example, at a 4% APY with monthly compounding, the total balance after one year would be $10,407.44 [14]