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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

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
Man Working At Computer And Talking To Clients On Phone

Top banks with 24/7 customer support

These popular banks are available to speak with customers around-the-clock.
Dec 23, 2025
Financial manager meeting with couple in bank branch office

National average money market account rates for December 2025

Get the latest rates on top-yielding money market accounts.
Dec 23, 2025
Whimsical illustration of a hand putting a quarter into a miniature but realistic high end safe. As if it were a piggy bank

What is the average interest rate for savings accounts?

Comparing savings rates can ensure you get the best return on your savings.
Dec 23, 2025
Woman watering plants.

Current CD rates for December 2025

Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Dec 23, 2025
A woman and daughter work together

Best savings accounts for kids

A savings account can be a great tool to teach your child about money. Here are a few of our favorites.
Dec 20, 2025
A Truist Financial bank branch in Miami, Florida, US

Truist Bank near me: Find branches and ATMs close by

Looking for a nearby Truist Bank location or ATM? Here’s how to find the closest ones.
Dec 20, 2025

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
Woman at bank talking to teller

Checking vs. savings account: Differences and how to choose

Checking and savings accounts are different. Should you have one, the other — or both?
Dec 20, 2025
Image of a torn apart one hundred U.S. dollar bill with a red jagged graph line running through the the torn pieces.

Four years after inflation first spiked, Americans’ wages are still falling behind — and a slower job market isn’t helping

Workers still have less purchasing power today than at the beginning of 2021.
Aug 18, 2025
woman using laptop in the kitchen

Top 18 tips for CD savers

These tips can help maximize your savings using certificates of deposit.
Aug 12, 2025
A person researches on a laptop.

Are CDs worth it right now? Here’s what experts say

Learn when a CD is worth it, when it is not, and alternatives to consider in 2025.
Aug 11, 2025

Fed holds rates steady: Is it time to tap your home equity?

It just might be. But don’t forget the fundamentals of how home equity loans work.
Jul 31, 2025
Federal Reserve Chair Powell Holds Press Conference On Interest Rates

July Fed Meeting Recap: FOMC keeps rates steady, while Powell says a September cut is uncertain

Bankrate’s experts are reacting live to the Fed’s latest interest rate decision.
Jul 30, 2025
New Friends Walking on University Campus

How the Fed rate changes impact student loan interest rates

The Federal Reserve’s actions can influence student loan interest rates.
Jul 30, 2025
A wide-angle image of the front of the Federal Reserve HQ in Washington, DC. The U.S. flag is prominently displayed on the front of the building.

High-yield savings rates today: July 21, 2025 | Best APYs exceed 4% ahead of next week’s Fed meeting

Despite political pressure, the Fed is expected to maintain interest rates.
Jul 21, 2025
Federal Reserve Chair Jerome Powell standing behind President Donald Trump.

Trump vs. Powell: How investors could come out as big losers in Fed fight

Trump wants lower interest rates now, but Fed Chair Jerome Powell says inflation remains too hot.
Jul 18, 2025
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