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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

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
Financial manager meeting with couple in bank branch office

National average money market account rates for December 2025

Get the latest rates on top-yielding money market accounts.
Dec 23, 2025
Whimsical illustration of a hand putting a quarter into a miniature but realistic high end safe. As if it were a piggy bank

What is the average interest rate for savings accounts?

Comparing savings rates can ensure you get the best return on your savings.
Dec 23, 2025
Woman watering plants.

Current CD rates for December 2025

Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Dec 23, 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
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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