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Remember the heyday of high-yield savings accounts when they actually paid out something significant? If you signed up with digital darlings like Ally or Marcus back in 2018 or early 2019, you were likely getting returns near, if not above, 2%. Thanks to the financial fallout of the coronavirus pandemic, those rates are a relic of the past — at least for now.

During an economic downturn, the Federal Reserve lowers interest rates, hoping to make it easier for consumers and businesses to borrow and spend. The Fed started cutting its benchmark interest rate during the summer of 2019 in response to mounting trade tensions with China, and as a result savings rates began to tick down. But the returns for high-yield savings accounts didn’t really start to sharply decline until March of 2020 when the Fed cut interest rates to near zero in response to COVID-19. As of December, even the best high-yield savings accounts have an annual percentage yield (APY) between just 0.5 and 0.7%.

The Fed stated in June that short-term benchmark interest rates would remain near zero through 2022. But the development of a potential vaccine to prevent the spread of COVID-19 and the possibility of another stimulus package may have savers wondering whether or not they’ll still have to wait that long before seeing their money grow again.