Savers keep earning fat yields on HYSAs and CDs, and banks pocket the spread. Homebuyers still face brutal mortgage costs — unchanged rates don't help them at all.
Savers and banks win: savers keep earning solid yields, and banks can profit from higher lending spreads. Homebuyers just stay stuck with pricey mortgages.
Savers and banks win by a mile. You get to keep raking in 5% risk-free on your cash while banks continue to print money on high interest margins.
Savers and banks clean up with rates locked high, stacking juicy yields and margins while buyers get crushed by expensive loans.
