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A majority (81%) of Americans did not increase their emergency savings this year
Current CD rates for July 2026
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Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Expect yields to continue trending downward in 2026.
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.”
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.
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What is inflation?
Here’s a breakdown of what inflation is and isn’t, as well as why it matters so much for your wallet.
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Signs of a recession
The U.S. economy looks like it's still on stable footing, but high inflation and rising interest rates could challenge that down the road.
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Fed's interest rate decision
The biggest winners and losers from the Fed's interest rate decision.
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FOMC: what to expect
Fed meeting preview: As unemployment rises and inflation slows, should officials cut interest rates now?
Latest articles
Bankrate analyzed the Fed’s historic rate moves for clues on what might come next.
Experian’s new savings account has a yield based on membership tier and no minimum deposit.
A majority (81%) of Americans did not increase their emergency savings this year
The big question: How long will the Fed be on hold?
Every financial decision you make is impacted by the Federal Reserve.
A complicated U.S. economy. Stubborn inflation and a jobless boom. Unprecedented conflict with the president. Personnel changes, and a new Fed chair. Federal Reserve officials are no stranger to difficult [...]
Expect yields to continue trending downward in 2026.
You can find a CD account that significantly out-earns the national average if you shop around among banks.
If you’re looking to save with a credit union, here are the top rates available.
Get the latest rates on top-yielding money market accounts.
Comparing savings rates can ensure you get the best return on your savings.
Here’s why you should avoid being underbanked and how to ensure that you aren’t.
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Take a look at the days when CDs were offering investors double-digit returns.
These are the 10 largest credit unions in the United States based on assets.
The best bank and credit union for you will depend on your banking needs, but in general, the best banks offer accounts with low or no minimum balance requirements and don’t charge monthly fees — or [...]
We look back at how banks handled rate cuts in 2024, and what to expect in 2025.
The August jobs slowdown sets the stage for a Fed cut and brought mortgage rates to their lowest levels of the year.
With a big Federal Reserve decision on the horizon, does it make sense to refinance your mortgage now, or wait?
The Fed continues to signal lowering rates later this month. Here’s how to prepare.
Worried that your high-yield savings APY isn’t so high? Here’s how to stay on top.
As the Fed hints at lowering interest rates, here’s how to prepare when rates fall.
Overdraft protection can be a helpful and convenient tool to avoid paying a steeper overdraft fee.
Workers still have less purchasing power today than at the beginning of 2021.
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