Find out which banks are offering the best MMA rates right now. As interest rates continue to fall following the Fed’s recent rate cuts, it’s more important than ever to ensure you’re earning a competitive rate on your savings. One option you may want to consider is a money market account (MMA). Wondering where the top money market account rates can be found today? Here’s what you need to know. Where to find the best money market account rates today From a historical perspective, money market account in ...

Core Insights - The yield on the 10-year Treasury note finished at 4.18% on December 31, 2025, while the 2-year note ended at 3.47% and the 30-year note at 4.84% [1] - The inverted yield curve, where longer-term Treasury yields are lower than shorter-term yields, is a reliable leading indicator for recessions, with the 10-2 spread turning negative before recessions [2][3] - The average lead time to a recession based on the first negative spread date is approximately 48 weeks, while using the last positive spread date yields an average lead time of 18.5 weeks [4][6] Treasury Yield Analysis - The 10-3 month spread also indicates lead times to recessions ranging from 34 to 69 weeks, with similar patterns observed as in the 10-2 spread [5] - The most recent negative spread for the 10-2 occurred from July 5, 2022, to August 26, 2024, while the 10-3 month spread was negative from October 25, 2022, to December 12, 2024 [3][5] Mortgage Rate Trends - The Federal Funds Rate (FFR) influences borrowing costs, and typically, an increase in the FFR leads to higher mortgage rates; however, recent trends show mortgage rates declining despite the Fed's rate-cutting cycle starting in September 2024 [7] - The latest Freddie Mac Weekly Primary Mortgage Market Survey reported the 30-year fixed mortgage rate at 6.15%, the lowest since October 2024 [7] Market Behavior and Federal Reserve Influence - Federal Reserve policy has significantly influenced market behavior, particularly in relation to Treasury yields and mortgage rates [8]

Core Insights - The Federal Reserve is expected to hold its key interest rate steady during the upcoming meeting on January 27 and 28 after a series of recent cuts aimed at addressing job market concerns [1][9]. Interest Rate Decisions - The Federal Open Market Committee will consider whether to cut the federal funds rate from its current range of 3.5% to 3.75% [2]. - Recent cuts of a quarter percentage point at the last three meetings were intended to prevent a slowdown in the job market from escalating into higher unemployment [2][9]. - Fed officials are divided on whether to cut rates to support the job market or maintain higher rates to combat inflation, which has been above the target of 2% since 2021 [3][9]. Economic Implications - The current economic landscape poses a risk of "stagflation," characterized by stagnant growth, high inflation, and a weak job market, which the Fed aims to avoid by appropriately setting the fed funds rate [6]. - The influence of the fed funds rate extends to borrowing costs for short-term loans, impacting consumer spending and overall economic activity [5]. Perspectives from Fed Officials - Some officials, like Beth Hammack, advocate for holding rates steady for several months to gather clearer evidence on inflation and employment trends [7][8]. - Hammack noted that inflation has been above the target for nearly five years and emphasized the importance of bringing it down [8]. - Conversely, other officials, such as Stephen Miran, argue for steeper rate cuts to mitigate recession risks, highlighting concerns over the faltering job market and hiring uncertainties [11][12].

Let's bring in Moody's Analytics chief economist Mark Xandandy who I assume Mark you've you've been listening in. Do you do you have a do you do you have an opinion on on one or the other and qu this question about credibility and how close they are to the president. >> I think they're both reasonably good choices, Sarah. I mean I I know Kevin I guess they're both Kevin.I know them pretty well. They're good economists. They are very experienced.Uh both uh lived and worked through the financial crisis. So th ...

Our monetary policy actions are guided by our dual mandate to promote maximum employment and stable prices for the American people. At today's meeting, the committee decided to lower the target range for the federal funds rate by a quarter percentage point to 3 to 3 and 3/4%. In the near term, risks to inflation are tilted to the upside and risks risks to employment to the downside, a challenging situation.There is no risk-free path for policy as we navigate this tension between our employment and inflation ...

Our monetary policy actions are guided by our dual mandate to promote maximum employment and stable prices for the American people. At today's meeting, the committee decided to lower the target range for the federal funds rate by a quarter percentage point to 3 to 3 and 3/4%. In the near term, risks to inflation are tilted to the upside and risks risks to employment to the downside, a challenging situation.There is no risk-free path for policy as we navigate this tension between our employment and inflation ...

The committee judged that reserve balances have declined to ample levels. Accordingly, at today's meeting, the committee decided to initiate purchases of shorter term Treasury securities, mainly Treasury bills, for the sole purpose of maintaining an ample supply of reserves over time. Such increases in our securities holdings ensure that the federal funds rate remains within its target range and are necessary because the growth of the economy leads to rising demand over time for our liabilities, including c ...

There's an emerging divide at the Federal Reserve. >> This is a generally a consensus driven committee. Consensus is not there right now.>> It's a high stakes difference of opinion. The Fed's leaders set an interest rate that can affect your job prospects, your home's value, and the cost of virtually all financial products. >> We're talking about mortgages, talking about credit cards, car loans, all those kind of things that people use over the course of their daily lives.What is important to know is the di ...

Whether you love or hate how the second Donald Trump Administration has handled the economy, it has certainly made changes. And it shows no signs of slowing that pace of change. Trending Now: When Trump Says He Has ‘Solved’ Inflation, This Is What It Means for You Find Out: How Middle-Class Earners Are Quietly Becoming Millionaires — and How You Can, Too So what changes do economists say the president should enact in 2026? Plus, take a look at how these household bills have changed since Trump took office ...

Core Insights - CD rates are currently higher than historical averages, with some financial institutions offering rates of 4% APY and above, particularly online banks [2][3] - The highest CD rate as of December 4, 2025, is 4.1% APY from Marcus by Goldman Sachs for a 14-month CD [2] - The Federal Reserve has been cutting its target rate, which has led to a decline in CD rates since last year [2][4] Group 1: Current CD Rates - CD rates are relatively high compared to historical averages, but they have been declining since the Federal Reserve began cutting rates [2][3] - Several financial institutions are offering competitive rates of 4% APY and up, with the highest being 4.1% APY from Marcus by Goldman Sachs [2] Group 2: Federal Reserve Actions - The Federal Reserve has cut its target rate three times in late 2024 by a total of one percentage point due to slowing inflation and an improved economic outlook [3] - The Fed announced its second rate cut of 2025 in October, with uncertainty regarding future cuts [4] Group 3: Impact on CD Rates - The federal funds rate does not directly impact deposit interest rates, but they are correlated; when the Fed lowers rates, financial institutions typically follow suit [5] - As the Fed lowers its rate, CD rates are beginning to fall again, suggesting that now may be a good time to lock in current rates [5] Group 4: Opening a CD - The process for opening a CD account varies by institution but generally includes researching rates, choosing an account that meets financial needs, preparing necessary documents, completing the application, and funding the account [6]