If you believe the blather from the Federal Reserve today about the "great recession" being over, then surely money market interest rates should be much higher by year end. However what they say and what happens are two completely different things.

For example:
"At this juncture . . . the impact on the broader economy and financial markets of the problems in the sub-prime markets seems likely to be contained,"
-Federal Reserve Chairman, Ben Bernanke 3/28/07

Nothing is stable right now. Until we have some jobs, everything is going to stay pretty much the same.

Inflation will most likely be on the rise soon but the feds will probably keep the rates down artificially for the next year or two. So I think it will be a very gradual increase in the rates.

Don't expect near-term money to get any more expensive for a while.