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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
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Current CD rates for May 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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Principal U.S. Economy Reporter

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Senior Economic Analyst

Latest articles

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High-yield savings rates today: May 19, 2025 | Top rate remains at 4.40% APY

Top high-yielding savings accounts continue to handily outpace inflation.
May 19, 2025
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Inflation rose less than expected last month, but prices remain high — here’s what might feel most expensive

You might not feel better about inflation because prices are still up post-pandemic.
May 13, 2025
Image of former St. Louis Fed president, Jim Bullard

What the former St. Louis Fed president thinks the U.S. central bank is currently getting wrong with tariffs

Powell is concerned tariffs could lead to more inflation. This former Fed official has a different view.
May 13, 2025
Woman reaching in to the air for cash

What is inflation? Here’s how rising prices can erode your purchasing power

Prices rise and fall all the time in the U.S. economy. It’s not always inflation.
May 13, 2025
Focused young woman entering banking credit card information in computer application, making household payments online, booking flight tickets or hotel, purchasing goods or confirming transaction.

High-yield savings rates today: May 12, 2025 | Earn up to 4.40% APY

APYs on high-yield savings accounts remain competitive after Fed rate decision.
May 12, 2025
Woman working from home with a child in the background

The motherhood penalty: Mothers earned 35 percent less than fathers in 2024

A new Bankrate analysis shows mothers earned 31 percent less in wages than fathers in 2023.
May 09, 2025
Image of a round pink piggybank in a life raft floating on water.

Is a 2025 recession coming? Take these 5 steps to recession-proof your savings now

JPMorgan raises recession probability to 50%. Learn five practical steps to protect your savings before economic conditions worsen.
May 08, 2025
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Powell warns of higher inflation, unemployment as Fed keeps rates steady

Bankrate’s experts are reacting live to the Fed’s latest interest rate decision.
May 07, 2025
Closeup of cash in a hand

Savings bonds: What they are and how to cash them in

Savings bonds are safe and easy to buy, but you can earn higher interest income elsewhere.
May 23, 2025
Woman using mobile phone at the bar

Money market account vs. money market fund: Differences

These accounts sound similar, but there are some key differences to know.
May 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.
May 23, 2025
Financial manager meeting with couple in bank branch office

National average money market account rates for May 2025

Get the latest rates on top-yielding money market accounts.
May 23, 2025
Woman watering plants.

Current CD rates for May 2025

Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
May 22, 2025
Young woman withdrawing money using phone at the ATM machine on the street in Budapest in Hungary.

Checking account fees: What they are and how to avoid them

Here are simple steps to take to avoid paying checking account fees.
May 21, 2025
Family on vacaction

The average cost of a vacation: Transportation, food, entertainment and more

Many Americans are ready for a vacation. Here’s how much you’ll spend to get away.
May 20, 2025
woman, using laptop while working from home

High-yield savings rates today: May 19, 2025 | Top rate remains at 4.40% APY

Top high-yielding savings accounts continue to handily outpace inflation.
May 19, 2025
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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