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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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Bankrate Financial Analyst

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Principal U.S. Economy Reporter

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Senior Economic Analyst

Latest articles

Jerome Powell in a speaking posture

Survey: Economists predict Fed will lift rates to highest since 2001

Economists are taking the Fed at its word, penciling in more rate hikes.
Jul 12, 2023
Federal Reserve Chair Jerome Powell speaks at a post-meeting press conference

Fed holds off on interest rate hike but sees more increases coming this year

The Fed’s quest to defeat inflation, however, is nowhere near finished.
Jun 14, 2023
Illustration of businessman stepping carefully

Unemployment or recession fears aren’t stopping workers from making career moves

A resilient job market makes it hard to tell if it’s the last call to negotiate.
Jun 05, 2023
Jerome Powell at frowning while standing at podium

When will the Fed stop raising rates? The time could be coming soon

Fed Chair Jerome Powell said interest rates “may not be far off” from their peak.
May 10, 2023
US President Joe Biden speaks at International Brotherhood of Electrical Workers (IBEW) Local 26 in Lanham, Maryland, US, on Wednesday, Feb. 15, 2023.

Will the government default? Everything you need to know about the debt ceiling — and how it could impact you

Lawmakers have less than a month to raise or suspend the debt ceiling.
May 09, 2023
Jerome Powell at podium

Fed raises interest rates by quarter point and opens door to pausing increases

Rates hit a near 16-year high — but they might not rise further than that.
May 03, 2023
People outside of Silicon Valley Bank

2023 banking crisis: First Republic Bank’s failure; Silicon Valley Bank’s collapse and a timeline of the financial fallout that followed

Silicon Valley Bank’s Failure set off a chain of events depositors need to know about.
May 01, 2023
A pedestrian passes in front of a First Republic Bank

First Republic Bank collapse: What you need to know

The troubled First Republic Bank was seized by federal regulators.
May 01, 2023
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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