Washington ? Prepare for the end of record-low interest rates, Federal Reserve Chairman Ben Bernanke says. Just not yet.

Higher rates on credit cards, home equity loans and some mortgages will follow the Fed’s eventual pullback of the trillions it injected into the economy. Savers will benefit, though. As rates gradually climb, certificates of deposit and savings accounts will finally pay more.

Bernanke indicated Wednesday that the Fed is still months away from raising rates or draining most of the stimulus money it injected to rescue the financial system.

For now, the global recovery remains too fragile to pull back much on government stimulus. Europe is facing a debt crisis. And President Barack Obama is making a push to cut taxes to stimulate job creation.