Amid COVID-19 fallout, on 3/3 Federate Reserve Board had an emergency rate cut of 0.5% but only spooked the Wall Street ending with Dow’s drop of 786 points. On 3/12, the Stock Market dropped to the lowest since 1987. It's expected that FED will drop more the following week due to the economic impact caused by COVID-19 worldwide. Let’s examine what normally causes the interest rates up or down, except in global crisis or emergency.