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Originally published Wednesday, February 24, 2010 at 2:37 PM

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Summary Box: Bernanke in no rush to boost rates

BERNANKE'S MESSAGE: Record-low interest rates are still needed to nurture the recovery and help reduce unemployment, now at 9.7 percent.

The Associated Press

BERNANKE'S MESSAGE: Record-low interest rates are still needed to nurture the recovery and help reduce unemployment, now at 9.7 percent.

BACK TO NORMAL: The Fed has shuttered special lending programs set up during the crisis. Last week, it bumped up the rate banks pay for emergency loans from the Fed.

CONSUMER CREDIT: Once the economy is firmly rooted, the Fed will tighten credit for Americans. Such a move is probably months away.

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