as Yogi Berra said: "I never make predictions, especially about the future", but at the moment the futures market suggests 5.25%
there is something rather perverse about predicting the FFR ... it will clearly depend on what happens, and we've no way to know. If all goes to hell in a handbasket (as the gold bugs suggest -- oops, that'll get me in trouble), or something shy of that, the rate could well be down. If inflation kicks in big-time (as the gold bugs suggest -- there I go again!) it could well be higher.
how about predicting the 10yr treasury? it's a better indicator of the market. my guess ... 5.25 +/- .25