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Bankrate’s 2025 Annual Emergency Savings Report

Banking
Over 1 in 3 people tapped emergency savings in the past year, per a new Bankrate survey.
By Lane Gillespie
12 min read
Woman watering plants.

Current CD rates for April 2025

Banking
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
By Karen Bennett
4 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
3 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

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Principal U.S. Economy Reporter

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Latest articles

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High-yield savings rates today: April 21, 2025 | APYs remain competitively high

Financial markets may drop lower, but APYs on high-yield savings remain high.
Apr 21, 2025
Women using digital tablet to check her finances at home office

Inflation and tariffs have you worried? Here’s a plan to make you more financially secure

Looking for a stable way to pay off your debts with money left to save? Read on.
Apr 19, 2025
young man falling out of the sky along with various household items and cash

Inflation fell last month, but prices remain high — here’s what’s rising most

You might not feel better about inflation because prices are still up post-pandemic.
Apr 18, 2025

Tariffs could cost the average American household $3,800 per year. Here’s how to save for it

Tariffs could cost households $3,800 in 2025. Discover smart budgeting strategies to offset rising prices on consumer goods.
Apr 17, 2025
Father and daughter saving money in piggy bank

High-yield savings rates today: April 14, 2025 | A safe haven amid market turmoil

Find the best high-yield savings account rate today.
Apr 14, 2025
A smiling pink piggy bank resting atop a U.S. flag

Study: The easiest and hardest states to save money in 2025

Saving money in the Midwest and South is easier than in the West and Northeast.
Apr 14, 2025
Dollar sign balloon being blown up by a pump on a green background with an arrow pointing down to the right

Inflation eased in March — here’s what savers should do now

How to find the best high-yield savings account in times of high inflation
Apr 11, 2025
Image of the back of a man in a suit standing in front of a large line graph that is on top of a half shredded U.S. Dollar.

What is stagflation, explained — and whether the economic crisis could return from Trump’s trade war

Stagflation is an economic “super villain,” bringing high inflation and unemployment.
Apr 10, 2025
Family planting trees in a park.

What is green banking? 4 ways you can help protect the environment

Green banking is an environmental movement. There are a number of ways consumers can make adjustments to their banking to help the environment.
Apr 21, 2025
Older woman and child putting pennies in a jar

7 ways your checking account can earn you extra money

We all use our checking accounts for the basic purposes — direct deposit of our paychecks, paying monthly bills and making debit card purchases. And while usually you’re seeing money leave your checking [...]
Apr 21, 2025
Man using his tablet for online banking

High-yield savings rates today: April 21, 2025 | APYs remain competitively high

Financial markets may drop lower, but APYs on high-yield savings remain high.
Apr 21, 2025
Women using digital tablet to check her finances at home office

Inflation and tariffs have you worried? Here’s a plan to make you more financially secure

Looking for a stable way to pay off your debts with money left to save? Read on.
Apr 19, 2025
Illustration of safe with money

Strategies for savings accounts over $25,000

If you have over $25,000 in your savings account, consider these strategies.
Apr 18, 2025
young man falling out of the sky along with various household items and cash

Inflation fell last month, but prices remain high — here’s what’s rising most

You might not feel better about inflation because prices are still up post-pandemic.
Apr 18, 2025
Two women having takeout food at home

What’s the difference between fixed expenses and variable expenses?

Knowing how fixed and variable expenses differ can help you improve your finances.
Apr 17, 2025
Easy mornings and working from home for this couple

Top high-yield savings accounts are still beating inflation. Here’s why that’s important

Savings yields topping inflation could let you hold onto your purchasing power.
Apr 17, 2025
Traders work after the opening bell at the New York Stock Exchange

We’re in the longest economic expansion in US history — here’s what made it unlike any other

The U.S. economy looks far different now than it did when the expansion first began in June 2009.
Jul 18, 2019
Federal Reserve Chair Jerome Powell at a press conference

Fed leaves interest rates unchanged, signals openness to future cuts

Here’s what the Fed said on interest rates and the economy.
Jun 19, 2019
Federal Reserve seal

4 key themes to watch for at the Federal Reserve’s June meeting

Is it still too soon for the Fed to cut rates?
Jun 14, 2019
President Donald Trump talking

The Trump administration’s trade wars are whipping Fed policy back and forth

Here’s why Fed officials are so concerned about the trade war right now.
Jun 07, 2019
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
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