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Bankrate’s 2025 Annual Emergency Savings Report

Banking
New Bankrate data shows many Americans are slowly making progress on their savings.
By Lane Gillespie
12 min read
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Current CD rates for March 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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About Bankrate
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Chief Financial Analyst

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Principal U.S. Economy Reporter

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Senior Economic Analyst

Latest articles

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Inflation slowed more than expected 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.
Mar 22, 2025
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We asked 3 experts: How will tariffs affect my wallet?

Trump has made tariffs an economic priority — experts share how you may be affected.
Mar 21, 2025
A headshot of Hanna Hovarth, a woman with blonde shoulder length hair wearing a black shirt. Next to her is a money bag with a dollar sign on it.

A CFP’s 5-step plan to combat stubborn inflation

A certified financial planner shares a practical five-step strategy to protect your finances from inflation’s ongoing impact.
Mar 20, 2025
Fed Chair Powell Holds News Conference Following FOMC Rate Decision

The Federal Reserve’s latest dot plot, explained – and what it says about interest rate cuts

This Fed communication tool is important, but be cautious when interpreting it.
Mar 19, 2025
Jerome Powell, chair of the US Federal Reserve, speaks during a news conference following a Federal Open Market Committee (FOMC) meeting.

The Fed keeps rates steady while warning of increasingly uncertain economic outlook

Uncertainty over President Donald Trump’s policies is keeping the Fed on the sidelines, at least for now.
Mar 19, 2025
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Fed’s interest rate history: The federal funds rate from 1981 to the present

The key benchmark has been as high as 20 percent — and as low as 0 percent.
Mar 19, 2025
Federal Reserve Chair Jerome Powell.

Biggest winners and losers from the Fed’s latest meeting

The Federal Reserve announced that it’s holding interest rates steady following its March 18-19 meeting.
Mar 19, 2025
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March Fed meeting recap: Powell acknowledges that Trump tariffs are already boosting inflation as Fed keeps rates steady

Bankrate’s experts are reacting live to the Fed’s latest interest rate decision.
Mar 19, 2025
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Bump-up CDs: What they are and how they work

If you think rates may rise again soon, a bump-up CD could be what you’re looking for.
Mar 25, 2025
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Women and banking: 50 years of progress

Events over the past half-century have helped to bolster women’s financial rights.
Mar 24, 2025
A student withdraws cash at an ATM.

Can you spend from a savings account?

There are ways to access your money and ultimately spend it. Here’s how.
Mar 24, 2025
young man falling out of the sky along with various household items and cash

Inflation slowed more than expected 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.
Mar 22, 2025

9 things you need know if you bank with Chase

If you’re one of the 80 million Chase Bank customers, chances are you already know of many benefits to banking with the largest banks in the U.S.: cardless ATM access, a robust mobile app and overdraft [...]
Mar 21, 2025
woman working on a computer

IRA vs. CD: What’s the difference?

You can invest in a CD. You don’t technically invest in an IRA. Here’s what else to know.
Mar 21, 2025
women on her phone walking on a sidewalk

Opening up a bank account while abroad: Everything U.S. citizens need to know

Here’s when it makes sense to open a bank account abroad and tips for choosing the bank.
Mar 21, 2025
Woman online banking

What is open banking, and how will it affect me?

The concept is seen as a way to boost innovation and competition, ultimately giving consumers better digital options for their money.
Mar 21, 2025
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