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A majority (81%) of Americans did not increase their emergency savings this year
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Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.

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.
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Latest articles

A majority (81%) of Americans did not increase their emergency savings this year
Jerome Powell, chairman of the US Federal Reserve, during a news conference following a Federal Open Market Committee (FOMC) meeting in Washington, DC.
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Federal Reserve Eccles Building illustration
Bankrate analyzed the Fed’s historic rate moves for clues on what might come next.
Illustration of a US Federal Reserve ink stamp
Every financial decision you make is impacted by the Federal Reserve.
Jerome Powell in front of interest rate graphic
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Illustration of Fed Chair Jerome Powell with a now hiring sign in the background.
The U.S. may dodge a recession, but experts aren’t denying it: Something feels off.
A music CD underneath a piggy bank
You can find a CD account that significantly out-earns the national average if you shop around among banks.
Fed Chair Jerome Powell speaks at a news conference.
Rates are falling, and finance pros say it may be time for Americans to rethink some strategies.
Bank of America location
Looking for a nearby Bank of America location or ATM? Here’s how to find the closest ones.
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Here’s how multiple savings accounts can help you reach your financial goals.
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Overwhelmed state unemployment offices have left Americans without aid for weeks, if not longer.
Aerial view of a group of residential boat docks from homes along the Halifax River in Ormond Beach, Florida near Daytona
Managing your finances and choosing the right bank can be daunting, especially in a state as big and diverse as Florida.
Fed Chair Jerome Powell is superimposed over the Fed Building, looking pensive
Powell is dealing with the most intense division of his eight years as Fed chair.
Photo of cash with design element
How much money you keep at home depends on your personal situation, including your need for cash in everyday life as well as in an emergency situation. Elliot Pepper, CPA, CFP, MST, financial planner and [...]
Bank teller with customer
These credit unions offer great rates and top-notch features — and many make it easy to join.
The Federal Reserve’s decisions have ripple effects, including for mortgages.
If you’re looking at HE loans or have a variable-rate line of credit, pay attention to the Fed.
A Black couple talk to a salesperson at a car dealership.
Auto rates will likely not decrease this year. Consider how to still save.
Exterior of Federal Reserve building
Does the Fed interest rate affect car loans? Yes, it does: It has a domino effect that can raise or lower auto loan rates.
Outside of the Federal Reserve building
The Federal Reserve held rates steady at its January 2026 meeting.
US-ECONOMY-FEDERAL RESERVE-RATE-POWELL
The Fed’s rate hold means loans costs are sticking. Here’s what it means for your business.
Federal Reserve Eccles Building illustration
Bankrate analyzed the Fed’s historic rate moves for clues on what might come next.
U.S. Federal Reserve Chairman Jerome Powell delivers remarks at a news conference.
The best way for investors to deal with the Fed’s interest rate changes? Focus on your long-term investment plan.
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