<prompt> Human: Ally just increased the APY on savings accounts again, now 1.80. My question is if Ally ever decreases this rate? I cant seem to find an answer anywhere online  <response>: Bank interest rates are based on the federal funds rate. The federal funds rate has not been lowered since 2008, before Ally existed.It is, however, safe to assume that when the funds rate is lowered again, Ally will lower their rates too. 