3 places to move $10,000 before the Fed cuts rates

Transferring money into a high-rate savings vehicle makes sense now with interest rate cuts looming. J Studios/Getty Images

The recent era of high returns on savings accounts, already on a decline, is likely to be further diminished this week.

With the chances of an interest rate cut from the Federal Reserve near 100% now, savings vehicles won't be immune. And with the average rate on a traditional savings account just 0.40% currently, that means the interest-earning potential associated with those accounts will fall closer to zero than it already is. However, that doesn't mean that savers are totally out of options, either.

And, if you have a large, five-figure amount of money, such as $10,000 at your disposal now, you'll want to be strategic with where you put it. For starte