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Interest rates are determined by the Federal Reserve Bank (Fed) and are influenced by a variety of factors such as inflation, economic growth, and monetary policy. The Fed has been raising interest rates to curb inflation, which has been running high . Unfortunately, rates are not likely to go down by the end of the year. The Fed’s main priority right now is curbing inflation. They do this by hiking reserves. With three more meetings this year, it’s likely that the feds will hike the reserves more steeply again.
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