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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

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Principal U.S. Economy Reporter

Mark Hamrick

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Senior Economic Analyst

Latest articles

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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.
Fed Chair Powell Holds News Conference Following FOMC Rate Decision
This Fed communication tool is important, but be cautious when interpreting it.
Federal Reserve Chair Jerome Powell.
The Federal Reserve announced that it’s holding interest rates steady following its March 18-19 meeting.
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.
High tariffs will make it harder for parents to afford the necessities — but don’t panic.
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Economic uncertainty is making it harder for low-income Americans save.
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Every financial decision you make is impacted by the Federal Reserve.
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Several banks are offering high-yield savings accounts well above 4 percent APY.
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Wondering what to do when it comes to saving during a recession? Here’s what the experts have to say.
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The highest savings account rate has dipped ahead of next week’s Fed rate decision.
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Take a look at the days when CDs were offering investors double-digit returns.
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When mortgage rates stay stubbornly high, smart buyers pause and grow their savings instead. Here’s why this strategy pays off big.
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Ally’s money market account offers a high APY, no minimum deposit or monthly fee.
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Saving money isn’t just about cutting costs. Sometimes, it’s about reframing how you spend your time. Here’s how one mindset shift helped me avoid impulsive purchases and grow my savings with less [...]
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Most savers aren’t moving money despite 4 percent rates being available. This inertia could cost thousands in lost interest income.
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Fed officials indicate that interest rates will remain steady at its next meeting.
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.
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The Federal Reserve’s actions can influence student loan interest rates.
US-ECONOMY-FEDERAL RESERVE-RATE-POWELL
The Fed’s rate hold means loans costs are sticking. Here’s what it means for your business.
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Auto rates will likely not decrease this year. Consider how to still save.
If you’re looking at HE Loans or have a variable-rate line of credit, pay attention to the Fed.
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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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