Even with two Fed rate cuts now in the books, you can still easily earn 4% to 5% returns in a number of risk-free ways. One option even pays 13.3% APY for two months.

When the Federal Reserve lowered its benchmark interest rate by half a percentage point in September, it wasn't a particularly surprising move. At that point, the Fed was expected to make its first rate cut of the year in response to cooling inflation.

The Federal Reserve delivered a 0.25% interest rate cut last week. But prospective homebuyers wishing for lower mortgage rates are likely to be disappointed. While the central bank influences home loan rates,

New reports suggest the chance of a rate cut for homeowners before the next federal election is unlikely. Reserve Bank Governor Michele Bullock says the economy is running at a level that cannot be sustained without inflation.

The Fed has officially cut interest rates twice this year. But read on to see whether you should run out to sign a mortgage or not.