<prompt> Human: I have an account with Discover Bank. The APY has gone from 1.25 in April in 1.8 now. Its gone up 0.15 just in the past month! Ive seen some banks offering savings accounts with rates as high as 2! Im not complaining as this is awesome, but whats going on behind the scenes here to drive these rates up?  <response>: Its due to the federal reserve raising interest rates. 