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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
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
Young Man Sitting On Wheelchair Using Laptop

How to open a money market account: 5 steps to take

Opening a money market account involves just a few simple steps and it can really pay off.
Jan 07, 2026

CD rates forecast for 2025: Top yields will decline, yet they’ll outpace inflation

In 2024, three Federal Reserve rate cuts spurred declining yields on many deposit accounts, although savers were able to benefit from locking in strong yields on certificates of deposit (CDs). While the [...]
Jan 06, 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
Bond traders on a trading floor.

The Fed is lowering interest rates, is it safe to buy bonds?

With uncertainty in the short and medium terms, investors should plan carefully.
Sep 22, 2025
Women using digital tablet to check her finances at home office

How the Federal Reserve impacts savings account interest rates

For savers, here’s what to consider when the Fed lowers interest rates.
Sep 17, 2025
Homes in Charleston

How are mortgage rates determined?

Understanding mortgage rate movements could save you money.
Sep 12, 2025
Fed rate hike to curb inflation, wooden block with FED and up-down arrows icon. Central banking system and interest rate changes.

How banks handled the 2024 Fed rate cuts — and what it means for your savings today

We look back at how banks handled rate cuts in 2024, and what to expect in 2025.
Sep 08, 2025
Classic style new home exterior view with front porch and front door entrance.

Bad news for workers, good news for mortgage borrowers

The August jobs slowdown sets the stage for a Fed cut and brought mortgage rates to their lowest levels of the year.
Sep 05, 2025
Home and a money bag balancing on a scale

Should you refinance your mortgage now, or wait for Fed cuts?

With a big Federal Reserve decision on the horizon, does it make sense to refinance your mortgage now, or wait?
Sep 05, 2025
The Federal Reserve Building in downtown Washington DC, USA at night.

High-yield savings rates today: September 1, 2025 | You can still earn up to 4.35% APY

The Fed continues to signal lowering rates later this month. Here’s how to prepare.
Sep 01, 2025
A downward facing red arrow "crashing" trough a shattering $100 bill.

Are you losing money in your high-yield savings account?

Worried that your high-yield savings APY isn’t so high? Here’s how to stay on top.
Aug 26, 2025
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