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Bankrate’s 2025 Annual Emergency Savings Report

Banking
Nearly 1 in 4 Americans have no emergency savings, according to a new Bankrate survey.
By Lane Gillespie
9 min read
Woman watering plants.

Current CD rates for November 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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Chief Financial Analyst

Sarah Foster

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Principal U.S. Economy Reporter

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Senior Economic Analyst

Latest articles

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
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.
Oct 27, 2025
Two women exchanging money on a couch.

Rules to live by when lending money to family and friends

Most of us have lent money to a friend or family member or paid a group bill with the expectation of being paid back. Unfortunately, these situations don’t always go smoothly and often result in lost [...]
Oct 27, 2025
A 100 dollar bill hanging on a closeline

Survey: Americans would rather discuss politics or religion than what’s in their bank accounts

Americans don’t want to talk about money, but there can be drawbacks to staying quiet.
Oct 27, 2025
Illustration of Fed Chair Jerome Powell speaking at a podium at the Fed's post-meeting press conference.

Rescue the job market or stop inflation? A rate cut from the Fed this week could hit your wallet — and your paycheck

Officials are cutting rates to shore up the job market, but it’s not without risk.
Oct 27, 2025
Illustration of Fed Chair Jerome Powell

The U.S. economy is slowing — and the nation’s top economists don’t expect it to improve much over the next year

See what the nation’s top economists are forecasting in Bankrate’s Q3 survey.
Oct 23, 2025
Illustration of workers and small business owners in front of a briefcase

Economists are realizing the job market is cooling. Workers have known it for months.

Before data started to show that the job market was slowing, cracks appeared in people’s lives first.
Oct 22, 2025
A father multi-tasks with his young son.

How to invest with CDs

Savers, here are strategies to invest in CDs.
Nov 10, 2025
close up of hands writing a check

Where can I cash a check without a bank account or ID?

Consumers without a bank account face hurdles when trying to cash a check.
Nov 10, 2025
An image of a pink piggy bank standing on top of a green and white striped rocket with smoke coming out of the end of the rocket.

What is a high-yield savings account? Definition, rates & how to choose

Here’s everything you need to know about high-yield savings accounts.
Nov 10, 2025
stacks of coin with dollar bill

CD ladder: What it is and how to build one

A CD ladder lets savers benefit from higher rates without locking up all your money in long-term CDs.
Nov 10, 2025
Women checking amount in bank account passbook with bank statement

How to check your bank account balance

Here are a few different ways to see how much money you have in your bank account.
Nov 10, 2025
lots of coins and cash in a pile

How to exchange coins for cash without the hassle

Coins sitting around in an overloaded jar could be put to better use. Here’s how.
Nov 05, 2025
exterior of Bank of America branch building

Are banks open today? Federal bank holidays in 2026

Knowing bank holiday schedules can help you avoid delays on necessary transactions.
Nov 05, 2025
Credit sign on stone wall building

Pros and cons of credit unions

Evaluate the benefits and drawbacks to decide if a credit union is right for you.
Nov 03, 2025
American consumers with big shopping bags

Survey: 40% of top economists expect Fed to cut rates over next year

Bankrate’s latest Economic Indicator survey finds economists are revisiting Fed policy predictions.
Jun 06, 2019
Man paying with credit card

Here’s why low inflation has the Fed concerned right now

With the best job market in decades, the Fed is wondering why there isn’t more inflation.
May 07, 2019
Jerome Powell at press conference

Federal Reserve holds interest rates steady, notes unexpectedly soft inflation

The Fed continues to delay any interest rate moves amid persistently low inflation.
May 01, 2019
Federal Reserve chair

3 things to watch for at the Fed’s April-May meeting

The Fed will most likely hold interest rates steady, but here’s how it could still impact your wallet.
Apr 26, 2019
Jerome Powell Fed FOMC Decision Day

Federal Reserve leaves interest rates unchanged, sees no more hikes this year

The Fed voted to leave interest rates alone for the second-straight meeting.
Mar 20, 2019
Homes in Chicago neighborhood

Economists survey: Expect the Fed to hike again in 2019, but mortgage rates won’t take off

Two-thirds of economists surveyed say the U.S. central bank will increase borrowing costs again in 2019.
Mar 06, 2019
Chairman of the Federal Reserve nominee Jerome Powell is sworn in during his confirmation hearing before the Senate Banking, Housing and Urban Affairs Committee

Meet Jerome Powell, the new chair of the Federal Reserve

Learn all about Jerome Powell, who is presiding over his first FOMC policy meeting.
Mar 21, 2018
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