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Bankrate’s 2025 Annual Emergency Savings Report

Banking
Over 1 in 3 people tapped emergency savings in the past year, per a new Bankrate survey.
By Lane Gillespie
12 min read
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Current CD rates for June 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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Principal U.S. Economy Reporter

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Senior Economic Analyst

Latest articles

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
Jerome Powell, chair of the US Federal Reserve, during a news conference following a Federal Open Market Committee (FOMC) meeting.

Fed keeps interest rates unchanged as it weighs inflation risks from tariffs

The Fed has now gone six months without cutting interest rates.
Jun 18, 2025
Fed Chair Powell Holds News Conference Following FOMC Rate Decision

The Federal Reserve’s latest dot plot, explained – and what it says about interest rate cuts

This Fed communication tool is important, but be cautious when interpreting it.
Jun 18, 2025
Federal Reserve Chair Jerome Powell.

Biggest winners and losers from the Fed’s latest meeting

The Federal Reserve announced that it’s holding interest rates steady following its March 18-19 meeting.
Jun 18, 2025
An image depicting parents and a small child sitting at a table with an open laptop, papers, and a calculator sitting on top of it. There is a large compass behind the parents and an arrow pointed to the upper right of the image.

Navigating Now: How parents can shield their families from tariff-driven inflation

High tariffs will make it harder for parents to afford the necessities — but don’t panic.
Jun 17, 2025
Older man with glasses sits on a couch next to a younger woman with curly hair. They are looking at official paperwork on a coffee table that also contains a calculator. There is an image of a large compass behind their heads and an blue arrow pointing from lower left to upper right.

Navigating Now: How to save for the future when you don’t make enough today

Economic uncertainty is making it harder for low-income Americans save.
Jun 17, 2025
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6 key ways the Federal Reserve impacts your money

Every financial decision you make is impacted by the Federal Reserve.
Jun 16, 2025
A man works on his laptop.

High-yield savings rates today: June 16, 2025 | Many banks are still offering a top yield of 4.30% APY

Several banks are offering high-yield savings accounts well above 4 percent APY.
Jun 16, 2025
Business colleagues having a conversation

7 places to save your extra money

These options are great places to stash money from a bonus, inheritance and more.
Jun 17, 2025
exterior of Bank of America branch building

Are banks open today? Federal bank holidays in 2025

Knowing bank holiday schedules can help you avoid delays on necessary transactions.
Jun 17, 2025
A friendly female customer service representative

The 10 largest credit unions in the US

These are the 10 largest credit unions in the United States based on assets.
Jun 17, 2025
close up of hands writing a check

Where can I cash a check without a bank account?

Consumers without a bank account face hurdles when trying to cash a check.
Jun 17, 2025
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Here’s how much $10,000 in a high-yield savings account could earn you in 1 year

Here’s how much $10,000 in a high-yield savings account can earn you.
Jun 17, 2025
Young woman working on a laptop

Money market account vs. savings account: What’s the difference?

These financial products are very similar but have some key differences.
Jun 17, 2025
Person depositing a check online with a phone

What banks do with your money after you deposit it

Your money doesn’t just sit in the bank. Here’s what it’s been up to.
Jun 17, 2025
An image depicting parents and a small child sitting at a table with an open laptop, papers, and a calculator sitting on top of it. There is a large compass behind the parents and an arrow pointed to the upper right of the image.

Navigating Now: How parents can shield their families from tariff-driven inflation

High tariffs will make it harder for parents to afford the necessities — but don’t panic.
Jun 17, 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
Home decorated for autumn

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
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 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
Couple buying a car

When will car interest rates start dropping?

Auto rates will likely not decrease this year. Consider how to still save.
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

How does the Federal Reserve affect mortgages?

The Federal Reserve’s decisions have ripple effects, including for mortgages.
Jun 18, 2025
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