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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

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Principal U.S. Economy Reporter

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Senior Economic Analyst

Latest articles

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 26, 2025
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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 22, 2025
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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
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Survey: The most workers in four years say their pay isn’t keeping up with inflation

A record 62% say pay hasn’t kept up with costs, climbing from 55% in 2022.
Oct 14, 2025
A crosswalk signal of a traffic light flashes backdropped by the US Capitol in Washington, DC, on October 1, 2025, the first day of the US federal government shutdown. Efforts to bring a quick end to the US government shutdown floundered Wednesday when senators rejected a plan to resolve an acrimonious funding stand-off between President Donald Trump and Democrats in Congress. With the government out of money after Trump and lawmakers failed to agree on a deal to keep the lights on, many federal departments and agencies have been closed since midnight.

Unemployed or furloughed due to the government shutdown? Believe it or not, your bank can help

Your bank or credit union may be able to help if you lose your paycheck.
Oct 09, 2025
Federal Reserve Chair Jerome Powell.

Biggest winners and losers from the Fed’s latest meeting

The Federal Reserve announced that it’s holding interest rates steady following its March 18-19 meeting.
Sep 22, 2025
Women using digital tablet to check her finances at home office

How the Federal Reserve impacts savings account interest rates

For savers, here’s what to consider when the Fed lowers interest rates.
Sep 17, 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
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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

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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 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
Design of credit card and graph

Credit card interest rate forecast for 2026: Rate cuts will bring little relief to cardholders

Credit card interest rate drops will likely provide little relief in 2026.
Jan 05, 2026

How does the Federal Reserve affect mortgages?

The Federal Reserve’s decisions have ripple effects, including for mortgages.
Dec 11, 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.
Dec 10, 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.
Dec 10, 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.
Dec 10, 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.
Dec 10, 2025
US-ECONOMY-FEDERAL RESERVE-RATE-POWELL

How the Federal Reserve affects business loans

The Fed’s rate hold means loans costs are sticking. Here’s what it means for your business.
Dec 10, 2025
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