If you have money in a savings account, you’ve probably noticed that you’re not earning as much on your balance lately. In 2024, it was possible to earn a savings account interest rate of 5% or more. Now, the best savings account rates hover around 4% APY. And they’re still falling. Will that trend continue? There's no telling exactly how the Fed will adjust rates moving forward, but here’s how the Fed’s decisions impact interest rates and whether savings rates will go up or down at all next year. What ...