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Bankrate’s 2025 Annual Emergency Savings Report

Banking
Nearly 1 in 4 Americans have no emergency savings, according to a new Bankrate survey.
By Lane Gillespie
12 min read
Woman watering plants.

Current CD rates for July 2025

Banking
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
By Karen Bennett
4 min read
A graphic of origami of a dollar bill folded to look like a piggy bank with a penny on top.

Savings and money market account rates forecast for 2025: Yields will dip but remain higher than inflation

Banking
Expect savings and money market account yields to slide lower, but they still should outpace inflation
By Matthew Goldberg
3 min read

Exclusive insights from our expert analysts

“It will be another year where the highest-yielding savings accounts, money markets and CDs outpace inflation while the averages — and the offerings at most banks — fall well short.”

– Greg McBride, CFA

CD rates forecast for 2025: Top yields will decline, yet they’ll outpace inflation

The year 2024 came to a close with yields having declined on many certificates of deposit (CDs), spurred by three Federal Reserve rate cuts, although savers were still able to benefit from locking in strong yields. Even if yields on competitive deposit accounts decrease further in 2025, they’re still expected to outpace inflation.
Read more

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Chief Financial Analyst

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Latest articles

couple sitting together on the couch and working on laptop and phone

Digital banking trends in 2025

Digital banking makes it easy to access your personal finances from anywhere.
Apr 29, 2025
A portly white male wearing sunglasses is relaxing on his hammock outside, smiling in the sun holding a debit card in one hand and a smart phone in the other.

J.D. Power study: Customer satisfaction increasing at banks but more so at credit unions

Customer satisfaction is up at banks and credit unions, but fees are still an issue.
Apr 28, 2025
Conceptual image of several $100 bills arranged as wallpaper with a red necktie suggesting Donald Trump.

High-yield savings rates today: April 28, 2025 | APYs are expected to stay elevated

Bankrate recaps the week in savings accounts and analyzes where rates are headed.
Apr 28, 2025
Stylized image of Trump wearing a Maga hat pointing to the left above the Federal Trade building.

Trump wants to fire Fed Chair Jerome Powell. These experts say it could harm the economy and your money.

If the Fed’s independence is jeopardized, here’s what experts say it could mean for your wallet.
Apr 22, 2025
Man using his tablet for online banking

High-yield savings rates today: April 21, 2025 | APYs remain competitively high

Financial markets may drop lower, but APYs on high-yield savings remain high.
Apr 21, 2025
Women using digital tablet to check her finances at home office

Inflation and tariffs have you worried? Here’s a plan to make you more financially secure

Looking for a stable way to pay off your debts with money left to save? Read on.
Apr 19, 2025

Tariffs could cost the average American household $3,800 per year. Here’s how to save for it

Tariffs could cost households $3,800 in 2025. Discover smart budgeting strategies to offset rising prices on consumer goods.
Apr 17, 2025
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High-yield savings rates today: April 14, 2025 | A safe haven amid market turmoil

Find the best high-yield savings account rate today.
Apr 14, 2025
Piggy bank in the green grass at sunset

Using green banks to make your money matter

Banks are increasing offerings of green accounts. Here’s what you need to know.
Jul 10, 2025
Woman watering plants.

Current CD rates for July 2025

Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Jul 10, 2025
Financial manager meeting with couple in bank branch office

National average money market account rates for July 2025

Get the latest rates on top-yielding money market accounts.
Jul 10, 2025
Whimsical illustration of a hand putting a quarter into a miniature but realistic high end safe. As if it were a piggy bank

What is the average interest rate for savings accounts?

Comparing savings rates can ensure you get the best return on your savings.
Jul 10, 2025
Woman with morning cup of coffee, sitting on patio and enjoying moment for herself.

The American dream gap: Why more men than women feel optimistic in today’s economy

Many women feel financial success is out of reach in today’s economy — but it doesn’t have to be.
Jul 10, 2025
A large pile of cash next to a padlock

Here’s how much $100,000 in a CD could earn you in 1 year

A one-year CD can be a safe and worthwhile option, especially turning to high-yielding online banks or credit unions.
Jul 08, 2025
A young female researches on her phone.

No-penalty CDs: What they are and how they work

Here’s the lowdown on no-penalty CDs, and how they differ from regular CDs.
Jul 07, 2025
Woman studying a document and working on a laptop

4 reasons to have multiple savings accounts

Here’s how multiple savings accounts can help you reach your financial goals.
Jul 07, 2025
Federal Reserve Chair Jerome Powell speaking behind a podium.

Survey: Market pros reveal their grades for Jerome Powell’s tenure as head of the Federal Reserve

Here’s what investing pros said about Fed Chair Jerome Powell’s performance while heading up the Federal Reserve.
Jul 09, 2025
A Black couple talk to a salesperson at a car dealership.

When will car interest rates start dropping?

Auto rates will likely not decrease this year. Consider how to still save.
Jun 30, 2025
New Friends Walking on University Campus

How the Fed rate changes impact student loan interest rates

The Federal Reserve’s actions can influence student loan interest rates.
Jun 30, 2025
Design element with Jerome Powell

June Fed meeting recap: Fed leaves rates alone, continues to see two cuts in 2025

Bankrate’s experts are reacting live to the Fed’s latest interest rate decision.
Jun 18, 2025
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Fed holds rates steady: Is it time to tap your home equity?

It just might be. But don’t forget the fundamentals of how home equity loans work.
Jun 18, 2025
US-ECONOMY-FEDERAL RESERVE-RATE-POWELL

How the Federal Reserve affects business loans

The Fed’s rate hold means loans costs are sticking. Here’s what it means for your business.
Jun 18, 2025

How the Federal Reserve affects HELOCs and home equity loans

If you’re looking at HE Loans or have a variable-rate line of credit, pay attention to the Fed.
Jun 18, 2025
Banking_How-the-Fed-Rate-Affects-Housing_

What the Fed’s continued rate pause means for homebuyers and sellers

The Fed has hit the pause button on rates. How will it affect the housing market?
Jun 18, 2025
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