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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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Bankrate Financial Analyst

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Principal U.S. Economy Reporter

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Senior Economic Analyst

Latest articles

Is there still such a thing as a 5% CD?

Currently, you can lock in annual percentage yields (APYs) on certificates of deposit (CDs) at and slightly above 4% with many nationally available CDs. Only a select few financial institutions offer promotional [...]
Dec 20, 2025
Fed Chair Jerome Powell speaks at a news conference.

The Fed just cut interest rates again. We asked 5 experts what Americans should do next

Rates are falling, and finance pros say it may be time for Americans to rethink some strategies.
Dec 10, 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.
Dec 10, 2025
Fed Chair Jerome Powell is superimposed over the Fed Building, looking pensive

As Trump eyes Powell’s successor, the Fed moves toward another rate cut

Powell is dealing with the most intense division of his eight years as Fed chair.
Dec 08, 2025
Illustration of a US Federal Reserve ink stamp

6 key ways the Federal Reserve impacts your money

Every financial decision you make is impacted by the Federal Reserve.
Dec 08, 2025
Young female customer talking to cashier at checkout in supermarket

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
Illustration of gift box surrounded by an up arrow representing higher inflation.

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
Young woman doing banking from her couch on a laptop

Private banking: Here’s how it works

Working with a private banker can help you achieve your long-term financial goals.
Nov 17, 2023
person using tap to pay to enter a subway

Electronic Fund Transfer Act: What it is and how it protects consumers

Under the EFTA, most types of electronic transactions are protected from errors and fraud.
Nov 17, 2023
Smiling businessman making payment with credit card

6 lesser-known debit card perks (and how they can help you save)

Debit cards can offer additional perks to help you save more of your money.
Nov 16, 2023
A woman researches online.

Zero-coupon CDs: What they are and how they work

Here’s everything you need to know about zero-coupon CDs.
Nov 13, 2023
female military member with bank worker

Best banks and credit unions for military members

Let’s explore some of the best banks catering to military members and their families.
Nov 10, 2023
Jerome Powell juxtaposed against an illustrated artistic background

Will the Fed raise interest rates one more time this year? Some economists aren’t convinced

Experts are doubting the Fed’s September projections that showed one more rate hike.
Nov 08, 2023
Federal Reserve Chair Jerome Powell speaks at a post-meeting press conference following the Fed's September interest rate decision

Fed keeps interest rates at 22-year high as economy stays surprisingly strong

Fed officials stopped short of saying they’re finished raising interest rates.
Nov 01, 2023
Little piggy banks on ascending stacks of coins

National Savings Day: 4 bank accounts to grow your savings

These bank accounts offer safe havens for your stashed cash and offer high APYs.
Oct 12, 2023

How does the Federal Reserve affect mortgages?

The Federal Reserve’s decisions have ripple effects, including for mortgages.
Dec 11, 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.
Dec 10, 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.
Dec 10, 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.
Dec 10, 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.
Dec 10, 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.
Dec 10, 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.
Dec 10, 2025
U.S. Federal Reserve Chairman Jerome Powell delivers remarks at a news conference.

What do the Fed’s rate cuts mean for stocks, crypto and other investments?

The best way for most investors to approach this type of market is to stick to their long-term plan.
Dec 10, 2025
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