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Money next to flashing sirens

Bankrate’s 2025 Annual Emergency Savings Report

Banking
Nearly 1 in 4 Americans have no emergency savings, according to a new Bankrate survey.
By Lane Gillespie
12 min read
Woman watering plants.

Current CD rates for July 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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Latest articles

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
Federal Reserve building

Fed minutes: Officials unsure on rate hikes, want plan to stop reducing balance sheet

Will the Federal Reserve raise borrowing costs two times in 2019, as it initially anticipated? That’s a question even the officials on the inside can’t answer.
Feb 20, 2019
Man relaxed smiling

Switching banks is a pain — this global movement could make it simple

It could save you time when switching accounts and even inspire you to build a bank of your own.
Jan 25, 2019
People at working talking over computer

Banks are switching to ‘dot-bank’ websites — here’s what that is

A tweak to your bank’s online address might help you sidestep a scam.
Aug 29, 2018
Chase Bank

JPM, big banks spend billions on tech but innovation lags

What’s all that tech spending doing for banks and their customers?
Jul 27, 2018
Chairman of the Federal Reserve nominee Jerome Powell is sworn in during his confirmation hearing before the Senate Banking, Housing and Urban Affairs Committee

Meet Jerome Powell, the new chair of the Federal Reserve

Learn all about Jerome Powell, who is presiding over his first FOMC policy meeting.
Mar 21, 2018
A large pile of cash next to a padlock

Here’s how much $100,000 in a CD could earn you in 1 year

A one-year CD can be a safe and worthwhile option, especially turning to high-yielding online banks or credit unions.
Jul 08, 2025
A young female researches on her phone.

No-penalty CDs: What they are and how they work

Here’s the lowdown on no-penalty CDs, and how they differ from regular CDs.
Jul 07, 2025
Woman studying a document and working on a laptop

4 reasons to have multiple savings accounts

Here’s how multiple savings accounts can help you reach your financial goals.
Jul 07, 2025
FDIC building in Washington DC

FDIC insurance: What it is and how it works

One of the most ubiquitous signs in a bank is “Member FDIC.” Here’s what it means.
Jul 07, 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. Those who apply for this account sometimes have past issues such as an unpaid [...]
Jul 07, 2025
woman looking at her phone while walking outside

High-yield savings rates today: July 7, 2025 | Best APYs remain north of 4%

Top savings APYs remain above 4%, with plenty of account options to choose from.
Jul 07, 2025
Woman watering plants.

Current CD rates for July 2025

Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Jul 03, 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.
Jul 03, 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.
Jun 30, 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.
Jun 30, 2025
Design element with Jerome Powell

June Fed meeting recap: Fed leaves rates alone, continues to see two cuts in 2025

Bankrate’s experts are reacting live to the Fed’s latest interest rate decision.
Jun 18, 2025
Home decorated for autumn

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.
Jun 18, 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.
Jun 18, 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.
Jun 18, 2025
Banking_How-the-Fed-Rate-Affects-Housing_

What the Fed’s continued rate pause means for homebuyers and sellers

The Fed has hit the pause button on rates. How will it affect the housing market?
Jun 18, 2025

How does the Federal Reserve affect mortgages?

The Federal Reserve’s decisions have ripple effects, including for mortgages.
Jun 18, 2025
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