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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
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
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
Federal Reserve Chair Jerome Powell speaks at post-meeting press conference

Fed keeps rates near zero as economy struggles to recover from pandemic

For consumers, the pros and faults of today’s low-rate world will prevail for months, if not years, to come.
Jan 27, 2021
Federal Reserve Chairman Jerome Powell speaks at post-meeting press conference.

Fed keeps interest rates at near-zero as coronavirus rebound sputters

The economy is nowhere close to being out of the woods.
Dec 16, 2020

Survey: Rates at zero until 2024, but coronavirus vaccine likely to ‘supercharge’ economy

Consumers should stick to the status quo.
Dec 14, 2020
Federal Reserve Chairman Jerome Powell speaks at post-meeting press conference

The Fed’s crisis playbook: 7 ways America’s recession fighters can battle a floundering economy

The Fed has more in its back pocket than just cutting interest rates.
Nov 18, 2020
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