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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.

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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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.
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Federal Reserve Eccles Building illustration
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Illustration of a US Federal Reserve ink stamp
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A music CD underneath a piggy bank
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Illustration of Fed Chair Jerome Powell with torn pieces of money falling around him and a jagged arrow rising from the lower left to the upper right. There is also a Now Hiring sign behind him in the upper left of the image.
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Bank building
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Male friends walk on a college campus.
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Savings APYs remain high as the Federal Reserve holds interest rates steady.
The Federal Reserve’s decisions have ripple effects, including for mortgages.
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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
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Outside of the Federal Reserve building
The Federal Reserve held rates steady at its January 2026 meeting.
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Federal Reserve Eccles Building illustration
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