The CPI continues to trend lower in 2025 ... not because the Fed was cutting rates. However, the below chart undeniably shows ...

After steady increases over the past couple of years, certificate of deposit (CD) rates are declining as the Federal Reserve cuts short term interest ... The graph below uses historical FDIC ...

suggesting refinance activity could gain greater traction if rates continue their downward trend. Over 40% of U.S. mortgages were originated in 2020 and 2021, when interest rates were at record lows.

Moreover, home equity lending options typically offer competitive interest ... rates fluctuate in response to federal funds rate adjustments — so it's important to keep an eye on what the rate ...