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Nearly 1 in 4 Americans have no emergency savings, according to 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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Top savings APYs remain above 4%, with plenty of account options to choose from.
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A slowdown may already be underway in the once formidable U.S. job market.
Currently, you can lock in annual percentage yields (APYs) on certificates of deposit (CDs) above 4 percent on many nationally available CDs, while a select few financial institutions offer promotional [...]
female soldier and her husband use a banking app to check the state of their finances
Savings APYs remain high as the Federal Reserve holds interest rates steady.
Money next to flashing sirens
Nearly 1 in 4 Americans have no emergency savings, according to a new Bankrate survey.
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Several banks continue to offer savings accounts well above 4 percent APY.
Design element with Jerome Powell
Bankrate’s experts are reacting live to the Fed’s latest interest rate decision.
Jerome Powell, chair of the US Federal Reserve, during a news conference following a Federal Open Market Committee (FOMC) meeting.
The Fed has now gone six months without cutting interest rates.
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A new Bankrate survey also finds 1 in 4 Americans is open to buying a home in 2017.
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Finances can be complicated for those 40 and up. Here’s how to make your 40s fabulous.
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Auto rates will likely not decrease this year. Consider how to still save.
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The Federal Reserve’s actions can influence student loan interest rates.
Design element with Jerome Powell
Bankrate’s experts are reacting live to the Fed’s latest interest rate decision.
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It just might be. But don’t forget the fundamentals of how home equity loans work.
US-ECONOMY-FEDERAL RESERVE-RATE-POWELL
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.
Banking_How-the-Fed-Rate-Affects-Housing_
The Fed has hit the pause button on rates. How will it affect the housing market?
The Federal Reserve’s decisions have ripple effects, including for mortgages.
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