Your savings account may be getting 0.05% interest. And that’s a drag. But low interest rates are a boon for certain types of financial transactions. We have written about most of these low-rate beneficiaries in the past. Now may be a good time to give them another look:
***Making a loan to a family member.
***Supporting your favorite charity through a special type of trust. 
***Taking out a mortgage — if it makes sense to buy.
***Refinancing a mortgage (if it significantly lowers the payment).
***Paying off credit card and other consumer debt faster (due to lower finance charges).