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Recommended reading

Money next to flashing sirens

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
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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
Federal Reserve Chairman Jerome Powell

Preview of the December Fed meeting: 4 key themes for borrowers and savers

When will the Fed move on rates again?
Dec 06, 2019
Google's corporate campus.

Why Google, Amazon and T-Mobile suddenly want to offer checking accounts

Tech companies are flirting with the idea of offering checking accounts. Should you sign up?
Nov 13, 2019
toolbox and tools

Your financial starter kit: 4 accounts every young adult needs

These are the basic accounts you need to jump start your financial life.
Nov 07, 2019
Federal Reserve Chairman Jerome Powell delivers press conference

Fed cuts interest rates for third straight time, but signals it may now be on hold

Will it be enough to keep the economic expansion going?
Oct 30, 2019
Federal Reserve Chairman Jerome Powell

6 big questions to focus on ahead of the Fed’s October meeting

A rate cut seems like a given, but what’s next? 
Oct 25, 2019

Here’s what it means when a bank gets a loan from the Fed’s discount window

This window may even prevent bank failures and insolvency. Here’s how it works.
Sep 30, 2019
Federal Reserve Chairman Jerome Powell hosts news conference following interest-rate decision.

Fed cuts rates by quarter point, split on further reductions

Here’s what the U.S. central bank decided to do with interest rates.
Sep 18, 2019
Federal Reserve Chairman Jerome Powell speaks to journalists during the Fed's July 31 post-meeting press conference.

5 key themes to watch for at the Fed’s September meeting

Will the Fed cut rates for a second-straight meeting?
Sep 13, 2019

How the Federal Reserve affects HELOCs and home equity loans

If you’re looking at HE loans or have a variable-rate line of credit, pay attention to the Fed.
Oct 29, 2025
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
A Black couple talk to a salesperson at a car dealership.

When will car interest rates start dropping?

Auto rates will likely not decrease this year. Consider how to still save.
Oct 29, 2025

How does the Federal Reserve affect mortgages?

The Federal Reserve’s decisions have ripple effects, including for mortgages.
Oct 29, 2025
Exterior of Federal Reserve building

How does the Fed interest rate affect car loans?

Does the Fed interest rate affect car loans? Yes, it does: It has a domino effect that can raise or lower auto loan rates.
Oct 29, 2025
Outside of the Federal Reserve building

How the Federal Reserve impacts personal loans

The Federal Reserve just lowered interest rates for the first time in four years.
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
Jerome Powell, chairman of the US Federal Reserve, arrives for the Federal Reserve Board open meeting in Washington, DC, Oct. 24, 2025.

What do the Fed’s rate cuts mean for stocks, crypto and other investments?

The best way for most investors to approach this type of market is to stick to their long-term plan.
Oct 29, 2025
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