That's why it is probably not wise to open up new accunts right now thinking that their rates are higher. All I'm doing is moving money from banks with lower rates to higher ones that I already have established. The only account to open up now is one that will guarantee that rate for a period of time. I locked in a money market rate at my brick and mortar bank for 6 months one week before the fed dropped rates. I can already see where that decision was a good one.
Something important also is developing a good relationship with your bank. One of the customer service people there are very likely to apprise you of upcoming rate changes and general changes in the bank.
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