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With Treasury yields down significantly in recent months, the interest-rate landscape has been changing. That means consumers should at least consider whether they could get better deals as a lender — in certificates of deposit and money-market accounts — or as a borrower, with improved loan or credit terms.

One key issue has been a change in the yield curve; for the first time in several years, investors may be able to get a premium by locking money into a CD for a longer time horizon. You can start shopping rates on all types of financial instruments at www.bankrate.com, one of the most comprehensive sites on the Web for rate data.