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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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Senior Economic Analyst

Latest articles

Senate building in Washington DC

What banking deregulation could mean for your money: 4 key changes to watch for

Sweeping changes at the Consumer Financial Protection Bureau (CFPB) signal what would be a significant shift in banking regulation under the Trump administration. While regulatory changes might sound like [...]
Mar 03, 2025
Design element with 3 headshot with illustrations of storage containers in the background

What should you do (and not do) with your money because of Trump’s tariffs? We asked the experts

The bottom line? Don’t let emotions guide your financial decision-making.
Feb 28, 2025
A Capital One bank branch in Manhattan in New York

CFPB drops lawsuit against Capital One over its savings account rates

The CFPB dropped its lawsuit alleging Capital One cheated customers out of interest.
Feb 28, 2025
CFPB building sign at an angle

Trump administration shuts CFPB HQ, halts agency’s activity

The Trump’s administration has ordered the Consumer Financial Protection Bureau to cease operations.
Feb 10, 2025
A mid adult woman sits at the counter in her kitchen and uses a laptop computer for online banking while managing her personal finances.

Delaying deposit decisions? Consider the cost before waiting on the Fed

Don’t wait for the next Fed meeting to see where rates go before opening a deposit account.
Feb 04, 2025
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5 CDs to consider before another Fed rate cut

As the Fed is cutting interest rates, consider these certificates of deposit (CDs)
Jan 30, 2025
Cropped shot of a businessman using his computer in his home office

Which CD term is best in a lower rate environment?

Find out which CD term is best for your financial goals in a lower rate environment.
Jan 30, 2025

Fed pauses interest rate cuts despite Trump’s call to lower rates ‘immediately’

Interest rates are not coming down as quickly as they surged.
Jan 29, 2025
Two women having takeout food at home

What’s the difference between fixed expenses and variable expenses?

Knowing how fixed and variable expenses differ can help you improve your finances.
Apr 17, 2025
Easy mornings and working from home for this couple

Top high-yield savings accounts are still beating inflation. Here’s why that’s important

Savings yields topping inflation could let you hold onto your purchasing power.
Apr 17, 2025

How much cash to keep in your checking vs. savings account

Stay on top of your money with the right balance between your checking and savings.
Apr 17, 2025
Woman watering plants.

Current CD rates for April 2025

Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Apr 17, 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 17, 2025
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National average money market account rates for April 2025

Get the latest rates on top-yielding money market accounts.
Apr 17, 2025
exterior of Bank of America branch building

Are banks open today? Federal bank holidays in 2025

Knowing bank holiday schedules can help you avoid delays on necessary transactions.
Apr 17, 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
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

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.
Mar 19, 2025
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