As Supply and Demand are tied together so is Money and Interest Rates.

Interest Rates

Ben Bernanke’s Federal Reserve has proved itself resourceful in fighting
against economic decline through a variety of new policy initiatives.
However, moving into 2009 the Fed only has one magic bullet left (a single
quarter-point cut) before it takes the Fed Funds rate all the way down to
0.00%. The Fed is expected to hold back on this last move and keep the
benchmark rate at 0.25% for most of 2009. If economic recovery is ahead of
schedule there is a chance that rates could be increased late in the year.

Long-term interest rates are expected to remain below 5.50% for fixed rate
mortgages, the best savings rates, and the best CD rates.