When the federal funds rate makes a move, almost everyone follows. The chart below shows how the interest rates on popular consumer products have moved in the past 10 years.
In almost every case, the consumer product rates closely track what the fed funds rate does.

The exception has been fixed-rate credit cards, whose interest rates are more heavily influenced by market forces within the industry.Rates are from the weekly surveys performed by Bankrate.com and its predecessor company, Bank Rate Monitor, which have been surveying financial institutions for 25 years.