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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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Latest articles

Artistic sketch of a businessman on a suspended platform looking down as the platform morphs into a downward arrow with a '%' symbol on its side.

High-yield savings rates today: August 25, 2025 | Savers enjoy yields surpassing 4%, but likely not for long

As the Fed hints at lowering interest rates, here’s how to prepare when rates fall.
Aug 25, 2025
Close-up photo of the front of the Federal Reserve in Washington, DC, with the name "Federal Reserve" below the bust of the eagle.

Best high-yield savings rates today | Leading APYs still surpass 4%

The Fed has kept interest rates steady so far in 2025, but that might change soon.
Aug 18, 2025
Image of a torn apart one hundred U.S. dollar bill with a red jagged graph line running through the the torn pieces.

Four years after inflation first spiked, Americans’ wages are still falling behind — and a slower job market isn’t helping

Workers still have less purchasing power today than at the beginning of 2021.
Aug 18, 2025
Image of four piggy banks of different sizes grouped together. Three are a light green color and the one in front is brick red.

Nearly 1 in 4 Americans have zero emergency savings — these under-the-radar strategies can help

Looking to boost your savings in today’s economy? Try these not-so-obvious tips.
Aug 14, 2025
young man falling out of the sky along with various household items and cash

Inflation stayed steady last month as Trump’s tariffs hit some prices — here’s what might feel most expensive

Businesses may now be starting to pass along higher costs from tariffs to consumers.
Aug 12, 2025
A magnifying glass on top of a $100, magnifying Benjamin Franklin's face, and surrounded by other $100 bills.

High-yield savings rates today: August 11, 2025 | Top-notch accounts continue offering yields above 4% APY

As the Fed holds interest rates steady, savers still have time to lock in top rates.
Aug 11, 2025
Several rolls of dollar bills

Best high-yield savings rates today – August 8, 2025

Compare the best high-yield savings rates as of Aug 8, 2025.
Aug 08, 2025
a person putting a coin into a piggy bank, which is on top of coins

Best high-yield savings rates today – August 7, 2025

Best high-yield savings rates today
Aug 07, 2025
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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