Interest Rate Impact - The Federal Reserve cut interest rates by 0.25 percentage points [1] - The new Fed funds rate range is between 3.75% and 4% [2] - Credit card rates are expected to decline slightly, but the average rate will likely remain around 20% [3] - Auto loan rates, currently averaging about 7% for a 5-year term, may see a small decrease [3] - Mortgage rates (15-year and 30-year) are anticipated to decrease [4] Savings Strategies - High-yield savings accounts offer rates around 4% [5] - Certificates of Deposit (CDs) for 6 months to a year can yield rates around 4% [6] - Maintaining savings goals and reducing debt are crucial, regardless of rate fluctuations [6]

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