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Officials at the Federal Reserve are divided about how to set the central bank's key interest rate in the coming months, and may not get the data they need to settle their differences anytime soon.

Even with recent interest rate cuts, savers can still earn a sizable return with a high-yield savings account now.

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The Fed is expected to cut rates one or two times this fall, which would nudge savings and CD yields lower. But you can still earn a strong return if you know where to look.