Savers Can Still Earn Returns Despite Fed Pause

Despite the Federal Reserve maintaining its key interest rate, US Treasury yields and certificates of deposit have risen, offering higher returns for savers. Treasuries, especially shorter- and medium-term ones, now yield over 4%, with some long-term bonds near 19-year highs, providing tax-exempt income options. Meanwhile, borrowing costs such as credit card rates and mortgage rates remain elevated, though consumers can explore strategies to reduce interest payments, like refinancing or borrowing against home equity.

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