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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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About Bankrate
Greg McBride

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Chief Financial Analyst

Sarah Foster

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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
A father multi-tasks with his young son.

How to invest with CDs

Savers, here are strategies to invest in CDs.
Nov 10, 2025
close up of hands writing a check

Where can I cash a check without a bank account or ID?

Consumers without a bank account face hurdles when trying to cash a check.
Nov 10, 2025
An image of a pink piggy bank standing on top of a green and white striped rocket with smoke coming out of the end of the rocket.

What is a high-yield savings account? Definition, rates & how to choose

Here’s everything you need to know about high-yield savings accounts.
Nov 10, 2025
stacks of coin with dollar bill

CD ladder: What it is and how to build one

A CD ladder lets savers benefit from higher rates without locking up all your money in long-term CDs.
Nov 10, 2025
Women checking amount in bank account passbook with bank statement

How to check your bank account balance

Here are a few different ways to see how much money you have in your bank account.
Nov 10, 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
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
Woman online banking with a tablet

Regulation D and savings account withdrawal limits – here’s what changed

How Reg. D impacts your savings account and why it pays to check with your bank.
May 30, 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
People shop in the food section of a retail store in Rosemead, California

5 best investments that hedge against inflation, and others to avoid

Here are five of the best inflation hedges to help protect your portfolio against inflation.
May 07, 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
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