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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

Federel Reserve building

Fed officials say rates could shift in ‘either direction’ depending on economic growth

Federal Reserve officials are giving themselves room to be flexible with monetary policy.
Apr 10, 2019
Jerome Powell Fed FOMC Decision Day

Federal Reserve leaves interest rates unchanged, sees no more hikes this year

The Fed voted to leave interest rates alone for the second-straight meeting.
Mar 20, 2019
Bank teller with customer

How bank tellers quietly disappeared from America, and what that means for consumers

Branch banking is rapidly changing with the rise of automation and fintech.
Mar 20, 2019
Jerome Powell at Fed meeting

Powell promotes rate pause in final remarks before upcoming Fed meeting

Fed Chairman Jerome Powell said the U.S. central bank is in no rush to adjust rates.
Mar 11, 2019
Man with shopping bags

U.S. economy grew 2.6% in the fourth quarter, better than expected

The U.S. economy expanded at a slower pace in the fourth quarter of 2018, but came in well ahead of estimates.
Feb 28, 2019
Jerome Powell at Fed meeting

Fed Chair Powell grilled on stagnant wage growth in tight job market

Powell faced criticism from Democratic congressmen for his positive evaluation of the job market despite a period of slow pay gains.
Feb 27, 2019
Jerome Powell speaks at Federal Reserve

Powell justifies a ‘patient’ central bank on rate hikes during Senate testimony

Federal Reserve Chairman Jerome Powell delivered a positive assessment of the U.S. economy that nonetheless faces some risks.
Feb 26, 2019
Wall Street in New York City

Three-fourths of business economists are predicting a recession by 2021

Experts are betting that a recession will occur by the end of 2021, a new survey suggests.
Feb 25, 2019
Man Working At Computer And Talking To Clients On Phone

Top banks with 24/7 customer support

These popular banks are available to speak with customers around-the-clock.
Dec 23, 2025
Financial manager meeting with couple in bank branch office

National average money market account rates for December 2025

Get the latest rates on top-yielding money market accounts.
Dec 23, 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.
Dec 23, 2025
Woman watering plants.

Current CD rates for December 2025

Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Dec 23, 2025
A woman and daughter work together

Best savings accounts for kids

A savings account can be a great tool to teach your child about money. Here are a few of our favorites.
Dec 20, 2025
A Truist Financial bank branch in Miami, Florida, US

Truist Bank near me: Find branches and ATMs close by

Looking for a nearby Truist Bank location or ATM? Here’s how to find the closest ones.
Dec 20, 2025

Is there still such a thing as a 5% CD?

Currently, you can lock in annual percentage yields (APYs) on certificates of deposit (CDs) at and slightly above 4% with many nationally available CDs. Only a select few financial institutions offer promotional [...]
Dec 20, 2025
Woman at bank talking to teller

Checking vs. savings account: Differences and how to choose

Checking and savings accounts are different. Should you have one, the other — or both?
Dec 20, 2025

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
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.
Dec 10, 2025
U.S. Federal Reserve Chairman Jerome Powell delivers remarks at a news conference.

What do the Fed’s rate cuts mean for stocks, crypto and other investments?

The best way for most investors to approach this type of market is to stick to their long-term plan.
Dec 10, 2025
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