Skip to Main Content

Banking News

The latest in banking news, surveys and statistics from our Bankrate experts.

Money Bag Icon
CD rates
Savings Rate Icon
High yield savings
Rates Icon
Money market rates
Dollar Icon
Checking accounts
Bank With Star Icon
Bank reviews

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

Experts in all things finance

Our expert reporters and editors bring the news and analysis you need—backed by data and firsthand experience.

About Bankrate
Stephen Kates headshot

Stephen Kates, CFP Arrow Right Icon

Bankrate Financial Analyst

Sarah Foster

Sarah Foster Arrow Right Icon

Principal U.S. Economy Reporter

Mark Hamrick

Mark Hamrick Arrow Right Icon

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
Federal Reserve Chairman Jerome Powell speaks at a press conference after an FOMC meeting.

Fed sticks with zero interest rates, even as inflation concerns mount

The Fed’s patience could be challenged as the U.S. economy comes roaring back to life.
Apr 28, 2021
Woman reading folder at desk in living room

3 strategies for savers in a low interest rate environment

Here’s how to respond to lower rates if you’re in the market for a CD or savings account.
Apr 27, 2021
Illustration of Capitol Hill rotunda and coronavirus stimulus checks

Survey: More than 6 in 10 Americans say $1,400 stimulus checks won’t last three full months

Most plan to spend their stimulus funds on necessities, not on shopping, dining or traveling.
Apr 14, 2021
Woman looking at bar graphs with mask on illustration.

Survey: Top economists see elevated COVID-19 joblessness for at least another year

But the U.S. economy should pick up speed, thanks to fresh fiscal stimulus.
Mar 31, 2021
Federal Reserve Chairman Jerome Powell speaks to reporters at a post-meeting press conference.

Fed keeps rates near zero with bounce back from pandemic in sight

The Fed is pledging to keep aggressively supporting the economy, even after the pandemic officially ends.
Mar 17, 2021
Federal Reserve Chairman Jerome Powell speaks at a testimony before Congress

Yield curve control, explained: How soon this ‘blank check’ Fed bond-buying program could happen

Here’s how this unconventional policy works to try and keep yields below a certain level.
Mar 01, 2021
Navy Federal Credit Union opened a branch on Jan. 11 in Douglasville, Georgia.

Is bank branch expansion dead? Not at Navy Federal, here’s why

Bank branches in the U.S. has been steadily declining for years, but Navy Federal has taken a different approach.
Feb 24, 2021
Illustration of individual getting a coronavirus vaccine.

Survey: 24% of adults not comfortable visiting businesses in person even after getting vaccine

Apprehensive consumers could stall a post-pandemic boom that many Americans have been clamoring for.
Feb 24, 2021

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
The trusted provider of accurate rates and financial information
Wall Street Journal
Usa Today
New York Times
Cnn
Bloomberg
Abc