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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
12 min read
Woman watering plants.

Current CD rates for July 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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Senior Economic Analyst

Latest articles

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Inflation picked up last month as Trump’s tariffs start to impact prices — here’s what might feel most expensive

Businesses may now be starting to pass along higher costs from tariffs to consumers.
Jul 15, 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.
Jul 15, 2025
Younger man in his 30s paying bills on his computer, with calculator, papers, bills, coffee and a pair of glasses on the table by his side.

High-yield savings rates today: July 14, 2025 | Stellar APYs are still on the market, surpassing 4%

Tariff concerns will likely cause the Fed to hold rates steady at its July meeting.
Jul 14, 2025
Woman with morning cup of coffee, sitting on patio and enjoying moment for herself.

The American dream gap: Why more men than women feel optimistic in today’s economy

Many women feel financial success is out of reach in today’s economy — but it doesn’t have to be.
Jul 10, 2025
woman looking at her phone while walking outside

High-yield savings rates today: July 7, 2025 | Best APYs remain north of 4%

Top savings APYs remain above 4%, with plenty of account options to choose from.
Jul 07, 2025
Illustration of Fed Chair Jerome Powell with torn pieces of money falling around him and a jagged arrow rising from the lower left to the upper right. There is also a Now Hiring sign behind him in the upper left of the image.

Bankrate’s Economic Indicator Survey: Unemployment could rise to the highest since 2021 by next year

A slowdown may already be underway in the once formidable U.S. job market.
Jul 02, 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) above 4 percent on many nationally available CDs, while a select few financial institutions offer promotional [...]
Jun 30, 2025
female soldier and her husband use a banking app to check the state of their finances

High-yield savings rates today: June 30, 2025 | Top APY bumps up to 4.44%

Savings APYs remain high as the Federal Reserve holds interest rates steady.
Jun 30, 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.
Jul 17, 2025
Woman watering plants.

Current CD rates for July 2025

Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Jul 17, 2025
Financial manager meeting with couple in bank branch office

National average money market account rates for July 2025

Get the latest rates on top-yielding money market accounts.
Jul 17, 2025
Photo of cash with design element

How much cash should you keep at home?

How much money you keep at home depends on your personal situation, including your need for cash in everyday life as well as in an emergency situation. Some experts recommend keeping a minimal amount of [...]
Jul 17, 2025
Piggy bank with cash overflowing

Best bank account bonuses for July 2025

Walk away with stacks of cash just for opening a checking or savings account.
Jul 16, 2025
A female bank teller helps a male customer at the bank counter.

How to break up with your bank (and take your money somewhere better)

Breaking up with your old bank need not be a heartbreaking process. Here’s how.
Jul 16, 2025
Fresh produce

18 ways to save money on groceries

With a bit of planning, you can reduce your grocery bill. Here’s how.
Jul 16, 2025
young man falling out of the sky along with various household items and cash

Inflation picked up last month as Trump’s tariffs start to impact prices — here’s what might feel most expensive

Businesses may now be starting to pass along higher costs from tariffs to consumers.
Jul 15, 2025
Residential area with architectural homes on Main Street

Will HELOC rates keep falling?

And if so, how low can they go?
May 02, 2025
Donald Trump sitting at a desk in the Oval Office.

Should bond investors beware Trump tariffs? How tariffs are hitting bonds

Tariffs are an import tax on foreign-made goods, and they act like a sales tax.
Apr 24, 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
Illustration of Fed Chair Jerome Powell

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
Illustration of Fed Chair Jerome Powell

Trump’s tariffs are raising fears of a recession. What can the Fed do about it?

Still wrestling with inflation, Fed officials might not be so quick to rescue the economy.
Mar 19, 2025
A person researches on a laptop.

Are CDs worth it right now? Here’s what experts say

Learn when a CD is worth it, when it is not, and alternatives to consider in 2025.
Feb 24, 2025

More people are taking out HELOCs. Here’s why

Home equity lines of credit are growing in size and volume.
Feb 17, 2025
A picture of various cryptocurrencies

Cryptocurrency: What it is and how it works

Cryptocurrencies are managed through what’s called a distributed ledger such as blockchain.
Feb 17, 2025
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