For consumers, Wednesday's Federal Reserve announcement is a mixed bag.
Chairman Ben Bernanke said the Fed would leave the federal funds rate untouched at 0.25 percent. The committee will also continue its program of purchasing $85 billion in Treasury bonds and mortgage-backed securities each month, although Bernanke said it could taper off that purchase later this year.
(Read more: Taper Tipoff? Bernanke Hints Easing End Is Near)
Much of the banking and borrowing consumers do is tied to that federal funds rate, which means rates aren't rising anytime soon.
"The Fed would actually have to boost short-term rates, which they're unlikely to do until 2015," said Greg McBride, senior analyst for Bankrate.com.
The notable exception: Mortgage rates, which are tied to 10-year Treasury yields, have risen over the past month as those yields have, on the hints of Fed tapering. According to Freddie Mac, rates on a 30-year-fixed mortgage were 3.98 percent in early June, up from 3.35 percent a month earlier.
Still, even as the Fed maintains the status quo, consumers are seeing some shifts in offers that could affect their rates: