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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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Principal U.S. Economy Reporter

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Latest articles

Traders on the floor of the New York Stock Exchange react to news

Winners and losers from the Fed’s emergency rate cut

Here’s who stands to benefit the most from plunging interest rates.
Mar 15, 2020
Couples rides bike through forrest

7 ways an interest rate cut from the Fed can impact retirees

The latest Fed move just might put retirees in a pinch.
Mar 15, 2020
Federal Reserve Chairman Jerome Powell

Preview of the Fed meeting: 6 pressing questions about the Fed’s next move in coronavirus battle

How long can the Fed avoid slashing rates to zero?
Mar 13, 2020
Federal Reserve Eccles Building in Washington, D.C.

Forecast survey: Expect Fed to slash interest rates near zero in 2020 to battle coronavirus fallout

The fed funds rate could quickly approach zero this year, experts said.
Mar 12, 2020
Federal Reserve Chairman Jerome Powell speaks at Fed press conference

In rare move, Fed issues emergency rate cut to bolster economy from coronavirus

It’s the first emergency move since October 2008, during the Great Recession.
Mar 03, 2020
Fed Chairman Jerome Powell speaks at press conference

Fed signals openness to rate cuts as coronavirus outbreak fuels economic uncertainty

With markets swooning, all eyes are now turning to the Fed.
Feb 28, 2020
President Donald Trump shakes the hand of Fed Chairman Jerome Powell

Was Trump right about the Fed and the need for lower interest rates all along?

The chief executive’s claims weren’t wholly correct — even if they ended up being right.
Feb 19, 2020
A woman looking at Ally Bank's new savings tools.

Ally Bank rolls out new features making it easier for consumers to save

Here’s what the online bank is offering to help customers boost their savings and meet financial goals.
Feb 05, 2020
Bank teller with customer

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
woman sitting on her couch and looking at her phone and credit card

Debit-card spending limits: How to increase yours

Knowing your limit before making a purchase can help you make smarter decisions.
Dec 03, 2025
Cashier and customer at grocery store checkout

Where to get a money order: Best places to purchase one

You can get a money order from many places. Here’s what you need to know.
Dec 01, 2025
person using mobile phone leaning on railing

What is a second-chance checking account? Here’s everything you need to know

A second-chance checking account is designed for those whose banking history may prevent them from opening a standard account. Applicants sometimes have past problems such as an unpaid negative balance [...]
Dec 01, 2025
Artistic rendering of a Bank building attached to unrealistically large chains

Is it safe to link bank accounts?

Linking bank accounts is a way to make it easier to transact between the two.
Dec 01, 2025
Young female customer talking to cashier at checkout in supermarket

The penny is out. Experts weigh in on what it means for consumers

Now that the U.S. Mint is done producing pennies, what happens to consumer prices?
Dec 01, 2025

What is a checking account?

Spend money, pay bills, write checks or make fund transfers with a checking account.
Nov 25, 2025
Woman using mobile phone at the bar

Money market account vs. money market fund: Differences

These accounts sound similar, but there are some key differences to know.
Nov 25, 2025
Woman online banking with a tablet

Regulation D and savings account withdrawal limits – here’s what changed

How Reg. D impacts your savings account and why it pays to check with your bank.
Nov 24, 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.
Oct 29, 2025
Jerome Powell, chairman of the US Federal Reserve, during the National Association of Business Economics (NABE) annual meeting in Philadelphia, Pennsylvania.

The Fed makes a second interest rate cut. Here’s what will — and won’t — change for your money.

Borrowers often don’t notice small rate cuts, and a weakening economy could dull the relief.
Oct 29, 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.
Oct 29, 2025

How does the Federal Reserve affect mortgages?

The Federal Reserve’s decisions have ripple effects, including for mortgages.
Oct 29, 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.
Oct 29, 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.
Oct 29, 2025
Federal Reserve Eccles Building illustration

Fed’s interest rate history: The federal funds rate from 1981 to the present

Bankrate analyzed the Fed’s historic rate moves for clues on what might come next.
Oct 29, 2025
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