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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 January 2026

Banking
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
By Karen Bennett
3 min read
A graphic with a pale yellow background and a darker yellow circle in the center. There is a red line trending up and to the right, with a piggy bank that has coins falling into it in front of that.

Savings and money market account rates forecast for 2026: Rates will continue to slide but remain ahead of inflation

Banking
Expect yields to continue trending downward in 2026.
By Karen Bennett
4 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

Illustration of Fed Chair Jerome Powell with a now hiring sign in the background.

From AI bubble fears to the job market’s ‘Great Freeze’: Economists answer your biggest questions about 2026

The U.S. may dodge a recession, but experts aren’t denying it: Something feels off.
Jan 12, 2026
A graphic with a pale yellow background and a darker yellow circle in the center. There is a red line trending up and to the right, with a piggy bank that has coins falling into it in front of that.

Savings and money market account rates forecast for 2026: Rates will continue to slide but remain ahead of inflation

Expect yields to continue trending downward in 2026.
Jan 06, 2026
A music CD underneath a piggy bank

CD rates forecast for 2026: APYs will trend lower but still beat inflation

You can find a CD account that significantly out-earns the national average if you shop around among banks.
Jan 06, 2026

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
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.
Jan 16, 2026
Middle aged woman on laptop

How to open a certificate of deposit (CD)

Everything you need to know about opening an account.
Jan 16, 2026
Smiling man using a tablet

How to choose a bank: 7 steps to take

Take these steps to ensure you’re choosing a bank that fits your individual needs.
Jan 16, 2026
Man at laptop, deep in thought

The pros and cons of CD investing

Certificates of deposit offer peace of mind, but they’re not without some drawbacks.
Jan 14, 2026
Financial manager meeting with couple in bank branch office

National average money market account rates for January 2026

Get the latest rates on top-yielding money market accounts.
Jan 13, 2026
A woman works on her laptop.

What is a savings account? Definition, how it works

Here’s everything you need to know about savings accounts.
Jan 13, 2026
Illustration of Fed Chair Jerome Powell with a now hiring sign in the background.

From AI bubble fears to the job market’s ‘Great Freeze’: Economists answer your biggest questions about 2026

The U.S. may dodge a recession, but experts aren’t denying it: Something feels off.
Jan 12, 2026
Person folds his hands in front of their face

What to do if a bank rejects you for a checking account

A bank may deny you a checking account. Here is what you can do next.
Jan 07, 2026

Survey: Inflation is slowing fast but still might not hit the Fed’s target until 2025

Inflation slowed much faster than expected last year, but economists are still wary.
Jan 03, 2024

Survey: Economists project a milder hiring slowdown than originally expected for 2024

For three straight surveys, economists have upgraded their job market forecasts.
Jan 03, 2024

Survey: Despite a resilient economy, experts still see a near 1-in-2 chance of a recession

Economists say the risks of a downturn are still high, even as the economy stays strong.
Jan 03, 2024
Illustration of a credit card for Bankrate's 2024 credit cards interest rate forecast

Credit card interest rate forecast for 2024: Rates will ease a bit, but remain high

If you have credit card debt, your interest rates are likely to remain high in 2024.
Jan 02, 2024
Someone reading a receipt as they push their shopping cart

Survey: Nearly two-thirds of Americans don’t expect their personal finances to improve in 2024

The biggest reason behind Americans’ financial pessimism continues to be inflation.
Dec 18, 2023
Federal Reserve Chair Jerome Powell attends a press conference in Washington, D.C.

Fed keeps interest rates unchanged, sees cuts coming in 2024

The decision adds to suspicions that officials are done raising rates.
Dec 13, 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
Jerome Powell speaking at a podium

Survey: Fed won’t begin cutting interest rates until 2024 as officials keep tackling inflation

Will the Fed keep interest rates too high for too long?
Oct 10, 2023
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