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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 December 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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Principal U.S. Economy Reporter

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Latest articles

Couple sitting in their living room and checking their finances

You can still earn competitive yields at online-only banks

Online banks still offer competitive APYs on savings. Here’s what to look for.
May 31, 2024
man banking online with digital tablet at home

Customers less satisfied with online-only banks despite higher deposit yields and fewer customer service problems

Bank customers are frustrated by fraud and looking for easier access to live help.
May 30, 2024
Two young woman looking at at some paper documents and comparing it against something on a cell phone

Survey: 61% of parents with adult children have sacrificed to help their kids financially

Many Gen Zers and millennials are relying financially on their parents.
May 30, 2024

Survey: In this economy, the sign of financial success isn’t being a millionaire but living comfortably, many Americans say

The most common sign of financial success is living comfortably, Americans say.
May 20, 2024
Woman working on her laptop at home

Customer satisfaction at online banks has dropped, but still higher than at brick-and-mortar banks – Study

Customer service satisfaction has decreased at online-only direct banks this past year, but remain higher than at brick-and-mortar banks.
May 14, 2024
Jerome Powell looking stern at a podium

Will stubborn inflation force the Fed to raise interest rates again?

Officials want to know if stubborn inflation is a trend or just a bump in the road.
May 14, 2024
Federal Reserve seal

What is the Federal Reserve’s balance sheet?

Now a cornerstone of Fed policy, the balance sheet has big implications for your wallet.
May 02, 2024
Federal Reserve Bank Chair Jerome Powell at the Fed's post-meeting press conference

The Fed’s latest meeting wasn’t just about interest rates. Here’s why you shouldn’t overlook its balance sheet announcement

The Fed hopes to prevent major market disruptions that could cause rates to spike.
May 02, 2024
Bank teller with customer

The best credit unions of 2025

These credit unions offer great rates and top-notch features — and many make it easy to join.
Dec 04, 2025
woman sitting on her couch and looking at her phone and credit card

Debit-card spending limits: How to increase yours

Knowing your limit before making a purchase can help you make smarter decisions.
Dec 03, 2025
Cashier and customer at grocery store checkout

Where to get a money order: Best places to purchase one

You can get a money order from many places. Here’s what you need to know.
Dec 01, 2025
person using mobile phone leaning on railing

What is a second-chance checking account? Here’s everything you need to know

A second-chance checking account is designed for those whose banking history may prevent them from opening a standard account. Applicants sometimes have past problems such as an unpaid negative balance [...]
Dec 01, 2025
Artistic rendering of a Bank building attached to unrealistically large chains

Is it safe to link bank accounts?

Linking bank accounts is a way to make it easier to transact between the two.
Dec 01, 2025
Young female customer talking to cashier at checkout in supermarket

The penny is out. Experts weigh in on what it means for consumers

Now that the U.S. Mint is done producing pennies, what happens to consumer prices?
Dec 01, 2025

What is a checking account?

Spend money, pay bills, write checks or make fund transfers with a checking account.
Nov 25, 2025
Woman using mobile phone at the bar

Money market account vs. money market fund: Differences

These accounts sound similar, but there are some key differences to know.
Nov 25, 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.
Nov 24, 2025

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
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