
Finance News
How the Fed Funds Rate Actually Reaches Your Savings Account
The Fed cut its target range to 3.50%-3.75% in December 2025, yet the FDIC national average savings rate has stayed below 0.5% - here is how the transmission…

Naomi Bergman covers the systems that move money, and the small design decisions inside them that quietly decide who gets served. She explains payment rails and credit scoring, covers federal rulemaking and the national record, and reads markets from release to close.