Skip to Main Content

Banking News

The latest in banking news, surveys and statistics from our Bankrate experts.

Money Bag Icon
CD rates
Savings Rate Icon
High yield savings
Rates Icon
Money market rates
Dollar Icon
Checking accounts
Bank With Star Icon
Bank reviews

Recommended reading

Bankrate’s 2025 Annual Emergency Savings Report

Banking
A majority (81%) of Americans did not increase their emergency savings this year
By Karen Bennett
10 min read
Woman watering plants.

Current CD rates for January 2026

Banking
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
By Karen Bennett
3 min read
A graphic with a pale yellow background and a darker yellow circle in the center. There is a red line trending up and to the right, with a piggy bank that has coins falling into it in front of that.

Savings and money market account rates forecast for 2026: Rates will continue to slide but remain ahead of inflation

Banking
Expect yields to continue trending downward in 2026.
By Karen Bennett
4 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

Experts in all things finance

Our expert reporters and editors bring the news and analysis you need—backed by data and firsthand experience.

About Bankrate
Stephen Kates headshot

Stephen Kates, CFP Arrow Right Icon

Bankrate Financial Analyst

Sarah Foster

Sarah Foster Arrow Right Icon

Principal U.S. Economy Reporter

Mark Hamrick

Mark Hamrick Arrow Right Icon

Senior Economic Analyst

Latest articles

Illustration of Fed Chair Jerome Powell with a now hiring sign in the background.

From AI bubble fears to the job market’s ‘Great Freeze’: Economists answer your biggest questions about 2026

The U.S. may dodge a recession, but experts aren’t denying it: Something feels off.
Jan 12, 2026
A graphic with a pale yellow background and a darker yellow circle in the center. There is a red line trending up and to the right, with a piggy bank that has coins falling into it in front of that.

Savings and money market account rates forecast for 2026: Rates will continue to slide but remain ahead of inflation

Expect yields to continue trending downward in 2026.
Jan 06, 2026
A music CD underneath a piggy bank

CD rates forecast for 2026: APYs will trend lower but still beat inflation

You can find a CD account that significantly out-earns the national average if you shop around among banks.
Jan 06, 2026

Is there still such a thing as a 5% CD?

Currently, you can lock in annual percentage yields (APYs) on certificates of deposit (CDs) at and slightly above 4% with many nationally available CDs. Only a select few financial institutions offer promotional [...]
Dec 20, 2025
Fed Chair Jerome Powell speaks at a news conference.

The Fed just cut interest rates again. We asked 5 experts what Americans should do next

Rates are falling, and finance pros say it may be time for Americans to rethink some strategies.
Dec 10, 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.
Dec 10, 2025
Fed Chair Jerome Powell is superimposed over the Fed Building, looking pensive

As Trump eyes Powell’s successor, the Fed moves toward another rate cut

Powell is dealing with the most intense division of his eight years as Fed chair.
Dec 08, 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.
Dec 08, 2025
Man at laptop, deep in thought

The pros and cons of CD investing

Certificates of deposit offer peace of mind, but they’re not without some drawbacks.
Jan 14, 2026
Financial manager meeting with couple in bank branch office

National average money market account rates for January 2026

Get the latest rates on top-yielding money market accounts.
Jan 13, 2026
A woman works on her laptop.

What is a savings account? Definition, how it works

Here’s everything you need to know about savings accounts.
Jan 13, 2026
Illustration of Fed Chair Jerome Powell with a now hiring sign in the background.

From AI bubble fears to the job market’s ‘Great Freeze’: Economists answer your biggest questions about 2026

The U.S. may dodge a recession, but experts aren’t denying it: Something feels off.
Jan 12, 2026
Person folds his hands in front of their face

What to do if a bank rejects you for a checking account

A bank may deny you a checking account. Here is what you can do next.
Jan 07, 2026
Young Man Sitting On Wheelchair Using Laptop

How to open a money market account: 5 steps to take

Opening a money market account involves just a few simple steps and it can really pay off.
Jan 07, 2026

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

In 2024, three Federal Reserve rate cuts spurred declining yields on many deposit accounts, although savers were able to benefit from locking in strong yields on certificates of deposit (CDs). While the [...]
Jan 06, 2026
A graphic with a pale yellow background and a darker yellow circle in the center. There is a red line trending up and to the right, with a piggy bank that has coins falling into it in front of that.

Savings and money market account rates forecast for 2026: Rates will continue to slide but remain ahead of inflation

Expect yields to continue trending downward in 2026.
Jan 06, 2026
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
Design element with Jerome Powell

June Fed meeting recap: Fed leaves rates alone, continues to see two cuts in 2025

Bankrate’s experts are reacting live to the Fed’s latest interest rate decision.
Jun 18, 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.
Jun 18, 2025
Man using credit card while online

Why are credit card APRs still so high?

Credit card interest rates have a high mark up over the prime rate. Why are card APRs so high?
May 08, 2025
Design element including image of Jerome Powell

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
Calm focused female freelancer in casual clothes revising reports while sitting on soft couch at table and using computer in light contemporary apartment

Subprime cardholders still feeling the sting despite Fed holding rates steady

Subprime borrowers are particularly affected by interest rate changes. Here’s how to prepare.
May 07, 2025
The trusted provider of accurate rates and financial information
Wall Street Journal
Usa Today
New York Times
Cnn
Bloomberg
Abc