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Bankrate’s 2025 Annual Emergency Savings Report

Banking
Over 1 in 3 people tapped emergency savings in the past year, per a new Bankrate survey.
By Lane Gillespie
12 min read
Woman watering plants.

Current CD rates for April 2025

Banking
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
By Karen Bennett
4 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
3 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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Chief Financial Analyst

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Principal U.S. Economy Reporter

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Latest articles

A portly white male wearing sunglasses is relaxing on his hammock outside, smiling in the sun holding a debit card in one hand and a smart phone in the other.

J.D. Power study: Customer satisfaction increasing at banks but more so at credit unions

Customer satisfaction is up at banks and credit unions, but fees are still an issue.
Apr 28, 2025
Conceptual image of several $100 bills arranged as wallpaper with a red necktie suggesting Donald Trump.

High-yield savings rates today: April 28, 2025 | APYs are expected to stay elevated

Bankrate recaps the week in savings accounts and analyzes where rates are headed.
Apr 28, 2025
Stylized image of Trump wearing a Maga hat pointing to the left above the Federal Trade building.

Trump wants to fire Fed Chair Jerome Powell. These experts say it could harm the economy and your money.

If the Fed’s independence is jeopardized, here’s what experts say it could mean for your wallet.
Apr 22, 2025
Man using his tablet for online banking

High-yield savings rates today: April 21, 2025 | APYs remain competitively high

Financial markets may drop lower, but APYs on high-yield savings remain high.
Apr 21, 2025
Women using digital tablet to check her finances at home office

Inflation and tariffs have you worried? Here’s a plan to make you more financially secure

Looking for a stable way to pay off your debts with money left to save? Read on.
Apr 19, 2025
young man falling out of the sky along with various household items and cash

Inflation fell last month, but prices remain high — here’s what’s rising most

You might not feel better about inflation because prices are still up post-pandemic.
Apr 18, 2025

Tariffs could cost the average American household $3,800 per year. Here’s how to save for it

Tariffs could cost households $3,800 in 2025. Discover smart budgeting strategies to offset rising prices on consumer goods.
Apr 17, 2025
Father and daughter saving money in piggy bank

High-yield savings rates today: April 14, 2025 | A safe haven amid market turmoil

Find the best high-yield savings account rate today.
Apr 14, 2025
Whimsical illustration of a hand putting a quarter into a miniature but realistic high end safe. As if it were a piggy bank

What is the average interest rate for savings accounts?

Comparing savings rates can ensure you get the best return on your savings.
Apr 24, 2025
image of someone using an ATM with an illustrated blue background

What is ATM skimming and how do you protect yourself?

ATM skimming is a type of payment card fraud. Here’s what you need to know to avoid it.
Apr 23, 2025
mother at bitcoin atm with toddler

What Are Bitcoin ATMs?

Bitcoin ATMs are becoming increasingly popular. Here’s everything you need to know.
Apr 23, 2025
Woman working with business document and laptop on the table

7 low-risk ways to earn higher interest

It’s a low interest rate environment, but there are ways to earn more on your money.
Apr 23, 2025
Young man getting cash out of ATM

Junk fees: What they are and how to avoid them

A look at the best ways to avoid paying such extra charges.
Apr 23, 2025
Mom preparing financial paperwork at home while her child draws next to her

The average amount in U.S. savings accounts – how does your cash stack up?

Single people and young families tend to have significantly less saved.
Apr 23, 2025
couple in the kitchen with bills

Brokered CDs: What they are and how to buy them

Here’s everything you need to know about brokered CDs.
Apr 23, 2025

Here’s everything savers need to know about APY

The APY percentage shows how much an account earns per year. Here’s what you need to know.
Apr 22, 2025
Donald Trump sitting at a desk in the Oval Office.

Should bond investors beware Trump tariffs? How tariffs are hitting bonds

Tariffs are an import tax on foreign-made goods, and they act like a sales tax.
Apr 24, 2025
Woman reaching in to the air for cash

What is inflation? Here’s how rising prices can erode your purchasing power

Prices rise and fall all the time in the U.S. economy. It’s not always inflation.
Apr 10, 2025
Home decorated for autumn

Is it time to tap your home equity, even though the Fed’s paused interest-rate cuts?

It just might be. But don’t forget the fundamentals of how home equity loans work.
Mar 20, 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.
Mar 19, 2025
Jerome Powell, chair of the US Federal Reserve, speaks during a news conference following a Federal Open Market Committee (FOMC) meeting.

The Fed keeps rates steady while warning of increasingly uncertain economic outlook

Uncertainty over President Donald Trump’s policies is keeping the Fed on the sidelines, at least for now.
Mar 19, 2025
New Friends Walking on University Campus

How the Fed rate changes impact student loan interest rates

The Federal Reserve’s actions can influence student loan interest rates.
Mar 19, 2025

How does the Federal Reserve affect mortgages?

The Federal Reserve’s decisions have ripple effects, including for mortgages.
Mar 19, 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.
Mar 19, 2025
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