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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.

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Expect yields to continue trending downward in 2026.

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

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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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Bankrate Financial Analyst

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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.

The big question: How long will the Fed be on hold?

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

A complicated U.S. economy. Stubborn inflation and a jobless boom. Unprecedented conflict with the president. Personnel changes, and a new Fed chair. Federal Reserve officials are no stranger to difficult [...]

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 graphic with a pale yellow background and a darker yellow circle in the center. There is a red line trending up and to the right, with a piggy bank that has coins falling into it in front of that.

Expect yields to continue trending downward in 2026.

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You can find a CD account that significantly out-earns the national average if you shop around among banks.

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High-yield savings rates fluctuate over time. Let’s explore what causes that.

woman depositing a check on her phone

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Person reading credit card statement

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Woman using a calculator

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A young woman is in the living room, she is using a laptop and credit card

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Split direct deposit is a simple way to painlessly boost your savings.

Planning, finance and couple with paper and laptop for budget

Here’s what you need to know about this high-yield checking promo.

The IRS has more than $1 billion in unclaimed tax refunds for 2021

Get your tax refund faster and more securely by setting up direct deposit. Learn how to avoid common mistakes.

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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