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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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About Bankrate
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Bankrate Financial Analyst

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Principal U.S. Economy Reporter

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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
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

Expert advice on protecting your bank accounts from hackers

These expert tips can help keep your bank and financial accounts safe from hackers.
Dec 20, 2025
Cash in gloved hand

3 ways to deposit cash into someone else’s account

Depositing cash into someone’s account isn’t always possible, but there are options.
Dec 20, 2025
Young worried man working at home

My bank closed my account. What can I do about it?

Learn why a bank could close your account and what to about it.
Dec 18, 2025
Man using cell phone in living room

The best places to keep your emergency fund

It’s important to find the right accounts for your emergency savings.
Dec 18, 2025
The Capitol building in Washington, D.C.

Coronavirus relief and stimulus plans: Here’s everything Washington has done (and proposed) so far

From relief checks to unemployment insurance, here’s what could impact your wallet.
Sep 04, 2020
Federal Reserve Chairman Jerome Powell

Fed leaves rates alone, says economy will ‘depend significantly on the course of the virus’

It’s unlikely that the financial and economic calamity will be reversed anytime soon.
Jul 29, 2020
Judy Shelton

Trump’s controversial Fed pick Shelton moves one step closer to board

Some experts fear Shelton could shake up the U.S. central bank.
Jul 21, 2020
Photo by Yuji Sakai of Getty Images

What is economic stimulus and how does it work?

With all the talk around economic stimulus, here’s how it works and why it’s used.
Jul 16, 2020
Eagle statue on the Fed's Eccles building

What is the Federal Reserve’s Beige Book?

Fed officials care about more than just economic data.
Jul 10, 2020
Freshly printed $20 bills are inspected at the Bureau of Engraving and Printing

Negative interest rates, explained — and how they work

Would you really get paid to take out a loan?
Jul 03, 2020
A Sorry we're closed sign hands in a shop window

We’re in a recession — will the stock market ever act like it?

With the market awash with cash, stocks are rising regardless of the fundamentals.
Jun 25, 2020

Forecast survey: Fed seen as keeping rates at rock bottom through yield-curve control

The Fed will turn to new tactics that include capping yields and expanding its balance sheet.
Jun 05, 2020
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