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Recommended reading

Bankrate’s 2025 Annual Emergency Savings Report

Banking
A majority (81%) of Americans did not increase their emergency savings this year
By Karen Bennett
10 min read
Woman watering plants.

Current CD rates for December 2025

Banking
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
By Karen Bennett
3 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
2 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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Latest articles

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The penny is out. Experts weigh in on what it means for consumers

Now that the U.S. Mint is done producing pennies, what happens to consumer prices?
Dec 01, 2025
Percent symbol with people holding money that is many dollar bills. Concepts of the banking system, rising interest rates, inflation, deflation, and savings.

What to do when your CD matures in a falling rate environment

Here’s how to proceed when your CD matures during falling rates.
Nov 24, 2025
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Study: 78% of holiday staples cost more in 2025 as tariffs push inflation higher

Here’s what to skip and what to buy — and how to tariff-proof your budget.
Nov 20, 2025

Bankrate’s 2025 Annual Emergency Savings Report

A majority (81%) of Americans did not increase their emergency savings this year
Nov 19, 2025
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Can you lose money on a CD? Here’s when — and how to avoid it

Learn how you can lose money on a CD.
Nov 17, 2025
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The job hunt feels broken. These 6 charts show it’s not just you.

It’s a tale of two job markets: secure for job holders, recession-like for job seekers.
Nov 12, 2025
Jerome Powell, chairman of the US Federal Reserve, during the National Association of Business Economics (NABE) annual meeting in Philadelphia, Pennsylvania.

The Fed makes a second interest rate cut. Here’s what will — and won’t — change for your money.

Borrowers often don’t notice small rate cuts, and a weakening economy could dull the relief.
Oct 29, 2025
Federal Reserve Eccles Building illustration

Fed’s interest rate history: The federal funds rate from 1981 to the present

Bankrate analyzed the Fed’s historic rate moves for clues on what might come next.
Oct 29, 2025
A person takes a picture of a check.

What is mobile check deposit and how to use it

Depositing a check using a smartphone is easy and can save you a trip to the bank.
Jul 30, 2025
Person using credit card at laptop

What is an interest checking account?

Here’s what you need to know about interest checking accounts.
Jul 30, 2025

Expert advice on protecting your bank accounts from hackers

These expert tips can help keep your bank and financial accounts safe from hackers.
Jul 30, 2025

6 tips to set (and hit) your savings goals

If you’re looking to become a better saver, here are some tips for setting savings goals.
Jul 30, 2025
young woman on ipad with illustrations in the background

4 key factors that determine CD rates

Understanding what determines CD rates can help you decide whether to get one.
Jul 30, 2025
woman carrying suitcase, walking by the window at airport terminal

These are the best bank account features for travelers

Traveling can be an exciting and enriching experience, but it also comes with its share of challenges, especially when it comes to the financial aspect of your trip.
Jul 29, 2025
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Top banks with 24/7 customer support

These popular banks are available to speak with customers around-the-clock.
Jul 29, 2025
Excited Latin American couple looking at a letter.

5 things you need to know if you bank with Citibank

Added benefits of banking with Citibank
Jul 29, 2025
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Regulation D and savings account withdrawal limits – here’s what changed

How Reg. D impacts your savings account and why it pays to check with your bank.
Nov 24, 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.
Oct 29, 2025
Jerome Powell, chairman of the US Federal Reserve, during the National Association of Business Economics (NABE) annual meeting in Philadelphia, Pennsylvania.

The Fed makes a second interest rate cut. Here’s what will — and won’t — change for your money.

Borrowers often don’t notice small rate cuts, and a weakening economy could dull the relief.
Oct 29, 2025
A Black couple talk to a salesperson at a car dealership.

When will car interest rates start dropping?

Auto rates will likely not decrease this year. Consider how to still save.
Oct 29, 2025

How does the Federal Reserve affect mortgages?

The Federal Reserve’s decisions have ripple effects, including for mortgages.
Oct 29, 2025
Exterior of Federal Reserve building

How does the Fed interest rate affect car loans?

Does the Fed interest rate affect car loans? Yes, it does: It has a domino effect that can raise or lower auto loan rates.
Oct 29, 2025
Outside of the Federal Reserve building

How the Federal Reserve impacts personal loans

The Federal Reserve just lowered interest rates for the first time in four years.
Oct 29, 2025
Federal Reserve Eccles Building illustration

Fed’s interest rate history: The federal funds rate from 1981 to the present

Bankrate analyzed the Fed’s historic rate moves for clues on what might come next.
Oct 29, 2025
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