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The forecasts are not set in stone. The March 2025 dot plot projected two 0.25-percentage-point rate cuts this year, two more of 0.25 point in 2026, and one 0.25 point in 2027.

For context, look to the last rate cut the Fed made in December 2024, when it reduced rates from a 4.50% to 4.75% range to the 4.25% to 4.50% range it's at today.

Savings Interest Rate Forecast originally appeared on usnews.com Update 07/10/25: This story was published at an earlier date and has been updated with new information.