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Bankrate’s 2025 Annual Emergency Savings Report

Banking
New Bankrate data shows many Americans are slowly making progress on their savings.
By Lane Gillespie
12 min read
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Current CD rates for March 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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About Bankrate
Greg McBride

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Chief Financial Analyst

Sarah Foster

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Principal U.S. Economy Reporter

Mark Hamrick

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Senior Economic Analyst

Latest articles

Man in manufacturing plant

U.S. economic growth in the first quarter revised down slightly to 3.1 percent

But the revision was less than economists thought it would be.
May 30, 2019
Digit app

Need fast access to your savings? Automated savings app Digit adds instant transfer for bank accounts

For 99 cents per withdrawal, users can move money from their account into another within minutes.
May 14, 2019
Man paying with credit card

Here’s why low inflation has the Fed concerned right now

With the best job market in decades, the Fed is wondering why there isn’t more inflation.
May 07, 2019
Jerome Powell at press conference

Federal Reserve holds interest rates steady, notes unexpectedly soft inflation

The Fed continues to delay any interest rate moves amid persistently low inflation.
May 01, 2019
President Trump and Jerome Powell

Here’s how much Trump’s Fed picks could actually shake up the central bank

The Fed might find itself in a tricky situation.
Apr 30, 2019
Welders at work

U.S. economy blows away expectations in the first quarter, but questions remain

GDP expanded by 3.2 percent, but gains came from the typically more volatile components.
Apr 26, 2019
Federal Reserve chair

3 things to watch for at the Fed’s April-May meeting

The Fed will most likely hold interest rates steady, but here’s how it could still impact your wallet.
Apr 26, 2019
FDIC building in Washington DC

Robinhood, looking beyond brokerage, seeks bank charter to expand into deposits, credit cards

The free stock trading outfit had previously walked back deposit product plans.
Apr 25, 2019
young man falling out of the sky along with various household items and cash

Inflation slowed more than expected last month, but prices remain high — here’s what’s rising most

You might not feel better about inflation because prices are still up post-pandemic.
Mar 22, 2025

9 things you need know if you bank with Chase

If you’re one of the 80 million Chase Bank customers, chances are you already know of many benefits to banking with the largest banks in the U.S.: cardless ATM access, a robust mobile app and overdraft [...]
Mar 21, 2025
woman working on a computer

IRA vs. CD: What’s the difference?

You can invest in a CD. You don’t technically invest in an IRA. Here’s what else to know.
Mar 21, 2025
women on her phone walking on a sidewalk

Opening up a bank account while abroad: Everything U.S. citizens need to know

Here’s when it makes sense to open a bank account abroad and tips for choosing the bank.
Mar 21, 2025
Woman online banking

What is open banking, and how will it affect me?

The concept is seen as a way to boost innovation and competition, ultimately giving consumers better digital options for their money.
Mar 21, 2025
Design element of cargo containers with nation flags on them

We asked 3 experts: How will tariffs affect my wallet?

Trump has made tariffs an economic priority — experts share how you may be affected.
Mar 21, 2025
US Bank app

Best mobile banking features: What to look for in your banking app

These features are designed to save you time and money.
Mar 20, 2025
Ally Bank logo

Ally money market account rates

Ally’s money market account offers a high APY, no minimum deposit or monthly fee.
Mar 20, 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
Calm focused female freelancer in casual clothes revising reports while sitting on soft couch at table and using computer in light contemporary apartment

Subprime cardholders still feeling the sting despite Fed holding rates steady

Subprime borrowers are particularly affected by interest rate changes. Here’s how to prepare.
Mar 19, 2025
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