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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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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

Stylized image of Trump wearing a Maga hat pointing to the left above the Federal Trade building.

Trump wants to fire Fed Chair Jerome Powell. These experts say it could harm the economy and your money.

If the Fed’s independence is jeopardized, here’s what experts say it could mean for your wallet.
Apr 22, 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
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
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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
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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 someone using an ATM with an illustrated blue background

What is ATM skimming and how do you protect yourself?

ATM skimming is a type of payment card fraud. Here’s what you need to know to avoid it.
Apr 23, 2025
mother at bitcoin atm with toddler

What Are Bitcoin ATMs?

Bitcoin ATMs are becoming increasingly popular. Here’s everything you need to know.
Apr 23, 2025
Woman working with business document and laptop on the table

7 low-risk ways to earn higher interest

It’s a low interest rate environment, but there are ways to earn more on your money.
Apr 23, 2025
Young man getting cash out of ATM

Junk fees: What they are and how to avoid them

A look at the best ways to avoid paying such extra charges.
Apr 23, 2025
Mom preparing financial paperwork at home while her child draws next to her

The average amount in U.S. savings accounts – how does your cash stack up?

Single people and young families tend to have significantly less saved.
Apr 23, 2025
couple in the kitchen with bills

Brokered CDs: What they are and how to buy them

Here’s everything you need to know about brokered CDs.
Apr 23, 2025

Here’s everything savers need to know about APY

The APY percentage shows how much an account earns per year. Here’s what you need to know.
Apr 22, 2025
Woman sitting outside of restaurant looking at cell phone

How to start saving (even if you’re starting from scratch)

Getting into the habit of paying yourself first is hard. Here are some ideas to help you start.
Apr 22, 2025
Jerome Powell Federal Reserve Chairman

Fed meeting recap: Powell says FOMC is ‘in no hurry’ to cut again after Fed holds rates steady

Bankrate’s experts are reacting live to the Fed’s latest interest rate decision.
Jan 29, 2025

HELOCs replace cash-out refinancing for equity-rich homeowners

Cash-out refis are out, and home equity lines of credit are in.
Jan 24, 2025

CD rates forecast for 2025: Top yields will decline, yet they’ll outpace inflation

You can find a CD account that significantly out-earns the national average if you shop around among banks.
Jan 02, 2025
Hand holidng a credit ard

Credit card interest rate forecast for 2025: Rates will only fall a bit

If you have credit card debt, your interest rates are likely to remain high in 2025.
Jan 02, 2025
Design element of Federal Reserve Chair Jerome Powell

Fed meeting live updates: Fed lowers rates by quarter point, pencils in just two for 2025

The Fed is expected to cut interest rates a third time. Here’s what to watch.
Dec 18, 2024
Illustration of Fed Chair Jerome Powell

Inflation has now risen for two months. Is an interest rate cut from the Fed a mistake?

Fed officials are still widely expected to cut interest rates for a third time.
Dec 16, 2024
Fed chair Jerome Powell makes a speech

Fed cuts interest rates by quarter point, points to uncertain next steps after Trump’s election win

The Federal Reserve cut interest rates for the second consecutive meeting but this time by a smaller quarter of a percentage point.
Nov 07, 2024
Jerome Powell, Chair of the Federal Reserve of the United States

Fed Meeting Live Updates: What comes next for the Fed’s rate cut plans?

Follow along as Bankrate’s experts break down the Fed’s next interest rate decision.
Nov 07, 2024
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