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The latest in banking news, surveys and statistics from our Bankrate experts.

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Over 1 in 3 people tapped emergency savings in the past year, per a new Bankrate survey.
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Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
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Expect savings and money market account yields to slide lower, but they still should outpace inflation

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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About Bankrate
Greg McBride

Greg McBride, CFA Arrow Right Icon

Chief Financial Analyst

Sarah Foster

Sarah Foster Arrow Right Icon

Principal U.S. Economy Reporter

Mark Hamrick

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Senior Economic Analyst

Latest articles

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Father and daughter saving money in piggy bank
Find the best high-yield savings account rate today.
A smiling pink piggy bank resting atop a U.S. flag
Saving money in the Midwest and South is easier than in the West and Northeast.
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How to find the best high-yield savings account in times of high inflation
Image of the back of a man in a suit standing in front of a large line graph that is on top of a half shredded U.S. Dollar.
Stagflation is an economic “super villain,” bringing high inflation and unemployment.
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Prices rise and fall all the time in the U.S. economy. It’s not always inflation.
Woman reaching in to the air for cash
Prices rise and fall all the time in the U.S. economy. It’s not always inflation.
Home decorated for autumn
It just might be. But don’t forget the fundamentals of how home equity loans work.
Fed Chair Powell Holds News Conference Following FOMC Rate Decision
This Fed communication tool is important, but be cautious when interpreting it.
Jerome Powell, chair of the US Federal Reserve, speaks during a news conference following a Federal Open Market Committee (FOMC) meeting.
Uncertainty over President Donald Trump’s policies is keeping the Fed on the sidelines, at least for now.
New Friends Walking on University Campus
The Federal Reserve’s actions can influence student loan interest rates.
The Federal Reserve’s decisions have ripple effects, including for mortgages.
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The Fed’s rate hold means loans costs are sticking. Here’s what it means for your business.
If you’re looking at HE Loans or have a variable-rate line of credit, pay attention to the Fed.
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