If the Federal Reserve cuts its benchmark rate this year, it will push savings and CD rates lower. Here's what the central bank says it expects right now.

With interest rates remaining frozen, interested home equity borrowers may want to make these three moves now.

A rate pause means there's still time to score a high annual percentage yield, or APY, on a CD. Banks tend to follow the Fed's lead when setting CD rates, so we're likely to see APYs hold steady for the time being.