Despite widespread market expectations that the Federal Reserve will keep key interest rates unchanged tonight, U.S. consumer loan rates have risen slightly since policymakers pushed for a rate hike last month. According to Mortgage News Daily (MND), the average rate for a 30-year fixed mortgage is currently 7.33%, up from 7.12% last month. Mortgage rates are closely correlated with the 10-year Treasury yield, which is currently slightly below 5%. Home equity mortgages, secured by homeowner equity, have also seen an increase in cost, currently at 8.77%, compared to 8.28% in September, according to Bankrate. Savers have gained a small amount over the past month since the Fed raised rates by 25 basis points in September. According to Haver, the average annualized yield in the money market is currently 0.45%, up 1 basis point from last month. The annualized yield (APY) for a five-year certificate of deposit is 1.83%, up 8 basis points from September.