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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

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

Bankrate’s 2025 Annual Emergency Savings Report

A majority (81%) of Americans did not increase their emergency savings this year
Nov 19, 2025
Shot of a young businesswoman using a digital tablet outside of an office

Can you lose money on a CD? Here’s when — and how to avoid it

Learn how you can lose money on a CD.
Nov 17, 2025
Illustration of woman holding a briefcase in front of two bar graphs representing the deteriorating labor market

The job hunt feels broken. These 6 charts show it’s not just you.

It’s a tale of two job markets: secure for job holders, recession-like for job seekers.
Nov 12, 2025
Jerome Powell, chairman of the US Federal Reserve, during the National Association of Business Economics (NABE) annual meeting in Philadelphia, Pennsylvania.

The Fed makes a second interest rate cut. Here’s what will — and won’t — change for your money.

Borrowers often don’t notice small rate cuts, and a weakening economy could dull the relief.
Oct 29, 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.
Oct 29, 2025
Bank teller with customer

The best credit unions of 2025

These credit unions offer great rates and top-notch features — and many make it easy to join.
Dec 04, 2025
woman sitting on her couch and looking at her phone and credit card

Debit-card spending limits: How to increase yours

Knowing your limit before making a purchase can help you make smarter decisions.
Dec 03, 2025
Cashier and customer at grocery store checkout

Where to get a money order: Best places to purchase one

You can get a money order from many places. Here’s what you need to know.
Dec 01, 2025
person using mobile phone leaning on railing

What is a second-chance checking account? Here’s everything you need to know

A second-chance checking account is designed for those whose banking history may prevent them from opening a standard account. Applicants sometimes have past problems such as an unpaid negative balance [...]
Dec 01, 2025
Artistic rendering of a Bank building attached to unrealistically large chains

Is it safe to link bank accounts?

Linking bank accounts is a way to make it easier to transact between the two.
Dec 01, 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

What is a checking account?

Spend money, pay bills, write checks or make fund transfers with a checking account.
Nov 25, 2025
Woman using mobile phone at the bar

Money market account vs. money market fund: Differences

These accounts sound similar, but there are some key differences to know.
Nov 25, 2025
Federal Reserve Bank Chairman Jerome Powell speaks at a press conference in Washington

Fed divided on 2022 interest rate hike, signals bond-buying taper coming ‘soon’

The Fed isn’t in a rush to raise rates, but slowing asset purchases appears to be on deck.
Sep 22, 2021
Stacks of dollars bills moving through a machine at the U.S. Bureau of Engraving and Printing

The repo market, explained — and why the Fed has pumped hundreds of billions into it

You might not know it, but the repo market is the bedrock for the financial system.
Sep 10, 2021
Federal Reserve Chairman Jerome Powell speaks to reporters at a press conference.

Fed keeps rates at near-zero, says economy has made progress

As the economy rebounds, don’t expect the Fed’s extraordinary support to last forever.
Jul 28, 2021
A man pushes his bags on the departures level at Los Angeles International Airport while wearing a mask.

The COVID recession is officially over. Here’s why experts say that doesn’t matter

The worst downturn in a lifetime was also the shortest.
Jul 19, 2021
Friends laugh while gathered at a table eating a meal and socialization.

Survey: Top economists say U.S. economy won’t be fully recovered from pandemic 12 months from now

Here’s where the nation’s top economists see hiring, the Fed and inflation heading over the next year.
Jun 29, 2021
A shopper wearing a protective face mask fills a grocery cart with bottled water at a supermarket.

Should you be worried about inflation? Here’s what the experts are saying

Higher inflation is here, but the big question is whether it’s here to stay or not.
May 27, 2021
Watering the plants

Savings accounts are still an important part of your financial plan, even in a low-rate environment

The savings account has always been a time-tested standby. Here’s why it still matters.
May 21, 2021
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
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