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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

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As Trump eyes Powell’s successor, the Fed moves toward another rate cut

Powell is dealing with the most intense division of his eight years as Fed chair.
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The penny is out. Experts weigh in on what it means for consumers

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Dec 01, 2025
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What to do when your CD matures in a falling rate environment

Here’s how to proceed when your CD matures during falling rates.
Nov 24, 2025
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Study: 78% of holiday staples cost more in 2025 as tariffs push inflation higher

Here’s what to skip and what to buy — and how to tariff-proof your budget.
Nov 20, 2025

Bankrate’s 2025 Annual Emergency Savings Report

A majority (81%) of Americans did not increase their emergency savings this year
Nov 19, 2025
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Can you lose money on a CD? Here’s when — and how to avoid it

Learn how you can lose money on a CD.
Nov 17, 2025
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The job hunt feels broken. These 6 charts show it’s not just you.

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Nov 12, 2025
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4 reasons to have multiple savings accounts

Here’s how multiple savings accounts can help you reach your financial goals.
Dec 09, 2025
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Unemployment benefits delayed? 6 common reasons — and what to do next

Overwhelmed state unemployment offices have left Americans without aid for weeks, if not longer.
Dec 09, 2025
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Best banks in Florida for 2025

Managing your finances and choosing the right bank can be daunting, especially in a state as big and diverse as Florida.
Dec 08, 2025
Fed Chair Jerome Powell is superimposed over the Fed Building, looking pensive

As Trump eyes Powell’s successor, the Fed moves toward another rate cut

Powell is dealing with the most intense division of his eight years as Fed chair.
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Illustration of a US Federal Reserve ink stamp

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How much cash should you keep at home?

How much money you keep at home depends on your personal situation, including your need for cash in everyday life as well as in an emergency situation. Elliot Pepper, CPA, CFP, MST, financial planner and [...]
Dec 05, 2025
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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
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Debit-card spending limits: How to increase yours

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Top 18 tips for CD savers

These tips can help maximize your savings using certificates of deposit.
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Are CDs worth it right now? Here’s what experts say

Learn when a CD is worth it, when it is not, and alternatives to consider in 2025.
Aug 11, 2025

Fed holds rates steady: Is it time to tap your home equity?

It just might be. But don’t forget the fundamentals of how home equity loans work.
Jul 31, 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.
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Federal Reserve Chair Powell Holds Press Conference On Interest Rates

July Fed Meeting Recap: FOMC keeps rates steady, while Powell says a September cut is uncertain

Bankrate’s experts are reacting live to the Fed’s latest interest rate decision.
Jul 30, 2025
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How the Fed rate changes impact student loan interest rates

The Federal Reserve’s actions can influence student loan interest rates.
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High-yield savings rates today: July 21, 2025 | Best APYs exceed 4% ahead of next week’s Fed meeting

Despite political pressure, the Fed is expected to maintain interest rates.
Jul 21, 2025
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Trump vs. Powell: How investors could come out as big losers in Fed fight

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