SmartMoney's "What Lower Rates Mean for You" says of "Money-Market Accounts, Money-Market Funds, CDs", "Yields on money-market funds are also sliding, as Fed rate cuts are typically passed down to investors within 35 days, says Peter Crane, publisher of Money Fund Intelligence, which tracks money-market funds. Average yields, already down to 4.14% from 4.35% before the rate cut, should drop to 3.5% in the next month -- and even further if the Fed cuts rates again at its meeting this week."