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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 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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Bankrate Financial Analyst

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Principal U.S. Economy Reporter

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Senior Economic Analyst

Latest articles

Forecast survey: Fed seen as keeping rates at rock bottom through yield-curve control

The Fed will turn to new tactics that include capping yields and expanding its balance sheet.
Jun 05, 2020
Federal Reserve Chairman Jerome Powell

Preview of the Fed meeting: 4 big questions facing the Federal Reserve post-coronavirus

The financial and economic hardship is far from over.
Jun 05, 2020
Consumer grabbing water bottle with mask during coronavirus

Survey: Majority of Americans believe it’s too soon to reopen local businesses after coronavirus

Americans remain cautious about making in-person trips to businesses.
May 18, 2020
Customers walk past a Chase Bank branch.

List of banks offering help to customers impacted by the coronavirus

Find out who’s waiving fees and helping families facing a financial hardship from the COVID-19 outbreak.
May 14, 2020
A picture of the coronavirus on a blue background

Survey: Nearly one-third of Americans dealing with lower income due to coronavirus outbreak

Half of those same households report having taken on more debt.
May 13, 2020
A sign stating that job placement program is closed during coronavirus pandemic.

The unemployment rate, explained – and why the coronavirus crisis has caused it to skyrocket

Joblessness has surged to catastrophic levels not seen for nearly a century.
May 08, 2020
A man wearing a mask walks past the U.S. Federal Reserve building in Washington D.C.

Here’s what the Fed has to see before lifting interest rates from rock bottom

One of the Fed’s greatest fears is a slow and grueling economic recovery.
May 08, 2020
Federal Reserve Chairman Jerome Powell talks to reporters at press conference

Fed expects to hold rates near zero until economy has weathered ‘severe’ virus effects

The coronavirus pandemic has brought the U.S. economy to its knees.
Apr 29, 2020
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.
Jan 16, 2026
Middle aged woman on laptop

How to open a certificate of deposit (CD)

Everything you need to know about opening an account.
Jan 16, 2026
Smiling man using a tablet

How to choose a bank: 7 steps to take

Take these steps to ensure you’re choosing a bank that fits your individual needs.
Jan 16, 2026
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
Illustration of Fed Chair Jerome Powell with a now hiring sign in the background.

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

A bank may deny you a checking account. Here is what you can do next.
Jan 07, 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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