What is?
https://www.investmentwatchblog.com/the-fed-is-going-to-cut-rates-in-the-us-to-negative-3-if-not-negative-5/
I'm in a credit union. . .what little I have. NOt sure how they'll be affected, but I've been out of banking for close to a decade, AND I'M NEVER GONNA USE A GODDAM BANK AGAIN!