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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
9 min read
Woman watering plants.

Current CD rates for November 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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Chief Financial Analyst

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Principal U.S. Economy Reporter

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Senior Economic Analyst

Latest articles

Jerome Powell, chairman of the US Federal Reserve, during the National Association of Business Economics (NABE) annual meeting in Philadelphia, Pennsylvania.

The Fed makes a second interest rate cut. Here’s what will — and won’t — change for your money.

Borrowers often don’t notice small rate cuts, and a weakening economy could dull the relief.
Oct 29, 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.
Oct 29, 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.
Oct 27, 2025
Two women exchanging money on a couch.

Rules to live by when lending money to family and friends

Most of us have lent money to a friend or family member or paid a group bill with the expectation of being paid back. Unfortunately, these situations don’t always go smoothly and often result in lost [...]
Oct 27, 2025
A 100 dollar bill hanging on a closeline

Survey: Americans would rather discuss politics or religion than what’s in their bank accounts

Americans don’t want to talk about money, but there can be drawbacks to staying quiet.
Oct 27, 2025
Illustration of Fed Chair Jerome Powell speaking at a podium at the Fed's post-meeting press conference.

Rescue the job market or stop inflation? A rate cut from the Fed this week could hit your wallet — and your paycheck

Officials are cutting rates to shore up the job market, but it’s not without risk.
Oct 27, 2025
Illustration of Fed Chair Jerome Powell

The U.S. economy is slowing — and the nation’s top economists don’t expect it to improve much over the next year

See what the nation’s top economists are forecasting in Bankrate’s Q3 survey.
Oct 23, 2025
Illustration of workers and small business owners in front of a briefcase

Economists are realizing the job market is cooling. Workers have known it for months.

Before data started to show that the job market was slowing, cracks appeared in people’s lives first.
Oct 22, 2025
lots of coins and cash in a pile

How to exchange coins for cash without the hassle

Coins sitting around in an overloaded jar could be put to better use. Here’s how.
Nov 05, 2025
exterior of Bank of America branch building

Are banks open today? Federal bank holidays in 2026

Knowing bank holiday schedules can help you avoid delays on necessary transactions.
Nov 05, 2025
Credit sign on stone wall building

Pros and cons of credit unions

Evaluate the benefits and drawbacks to decide if a credit union is right for you.
Nov 03, 2025
Capital One Bank signage in New York City

Banks that have cut or eliminated overdraft fees

Banks are cutting overdraft fees in response to consumers and regulators’ demands.
Nov 03, 2025
Young Woman Checking Her Finances At Home

Where is the account number and routing number on a check?

Finding the account number on a check is easy — if you know where to look.
Oct 31, 2025
A man looking at a comically large stack of cash

What is a money market account?

This type of account can offer a low-risk way to earn a high yield.
Oct 31, 2025
Close-up of woman trading stock online on mobile phone

Pros and cons of a money market account

A money market account is like a parking spot for cash, but with a few guardrails.
Oct 31, 2025
Woman watering plants.

Current CD rates for November 2025

Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Oct 31, 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.
Aug 11, 2025

Fed holds rates steady: Is it time to tap your home equity?

It just might be. But don’t forget the fundamentals of how home equity loans work.
Jul 31, 2025
US-ECONOMY-FEDERAL RESERVE-RATE-POWELL

How the Federal Reserve affects business loans

The Fed’s rate hold means loans costs are sticking. Here’s what it means for your business.
Jul 30, 2025
Federal Reserve Chair Powell Holds Press Conference On Interest Rates

July Fed Meeting Recap: FOMC keeps rates steady, while Powell says a September cut is uncertain

Bankrate’s experts are reacting live to the Fed’s latest interest rate decision.
Jul 30, 2025
New Friends Walking on University Campus

How the Fed rate changes impact student loan interest rates

The Federal Reserve’s actions can influence student loan interest rates.
Jul 30, 2025
A wide-angle image of the front of the Federal Reserve HQ in Washington, DC. The U.S. flag is prominently displayed on the front of the building.

High-yield savings rates today: July 21, 2025 | Best APYs exceed 4% ahead of next week’s Fed meeting

Despite political pressure, the Fed is expected to maintain interest rates.
Jul 21, 2025
Federal Reserve Chair Jerome Powell standing behind President Donald Trump.

Trump vs. Powell: How investors could come out as big losers in Fed fight

Trump wants lower interest rates now, but Fed Chair Jerome Powell says inflation remains too hot.
Jul 18, 2025
Federal Reserve Chair Jerome Powell speaking behind a podium.

Survey: Market pros reveal their grades for Jerome Powell’s tenure as head of the Federal Reserve

Here’s what investing pros said about Fed Chair Jerome Powell’s performance while heading up the Federal Reserve.
Jul 09, 2025
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