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Bankrate’s 2025 Annual Emergency Savings Report

Banking
Over 1 in 3 people tapped emergency savings in the past year, per a new Bankrate survey.
By Lane Gillespie
12 min read
Woman watering plants.

Current CD rates for June 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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Chief Financial Analyst

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Latest articles

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High-yield savings rates today: June 9, 2025 | Best APY decreases slightly to 4.30%

The highest savings account rate has dipped ahead of next week’s Fed rate decision.
Jun 09, 2025
A photo of the author of the article near a computer and book

This one mindset shift helped me make it easier to save money

Saving money isn’t just about cutting costs. Sometimes, it’s about reframing how you spend your time. Here’s how one mindset shift helped me avoid impulsive purchases and grow my savings with less [...]
Jun 04, 2025
Mature woman helps her daughter study for exam

High-yield savings rates today: June 2, 2025 | Highest APY remains 4.40% as the Fed prepares its next move

Fed officials indicate that interest rates will remain steady at its next meeting.
Jun 02, 2025
Caucasian woman and African American man sit at kitchen counter with breakfast working with pen, paper and laptop

Survey: More than two-thirds of Americans aren’t reviewing their budgets. Here’s why you should and how you can save more

Budgeting may be unpopular, but it’s important to know where your money is going.
May 30, 2025
Image of a person's hands holding an open walled and pulling money from it.

Bank Mergers Are Booming. Here’s Why Savers Should Watch Their Wallets

Bank consolidation often leads to lower deposit rates. Here’s what the current merger boom means for your savings and how to respond.
May 29, 2025
Man at coffee shop

High-yield savings rates today: May 26, 2025 | Top yield remains at 4.40% despite economic uncertainty

Top APYs on high-yield savings are above 4%, despite a recent U.S. credit downgrade.
May 26, 2025
woman, using laptop while working from home

High-yield savings rates today: May 19, 2025 | Top rate remains at 4.40% APY

Top high-yielding savings accounts continue to handily outpace inflation.
May 19, 2025
young man falling out of the sky along with various household items and cash

Inflation rose less than expected last month, but prices remain high — here’s what might feel most expensive

You might not feel better about inflation because prices are still up post-pandemic.
May 13, 2025
Piggy bank with cash overflowing

Best bank account bonuses for June 2025

Walk away with stacks of cash just for opening a checking or savings account.
Jun 12, 2025
Person filling out money order

How do money orders work?

Here’s what you need to know about how money orders work.
Jun 12, 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.
Jun 12, 2025
Woman watering plants.

Current CD rates for June 2025

Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Jun 12, 2025
Financial manager meeting with couple in bank branch office

National average money market account rates for June 2025

Get the latest rates on top-yielding money market accounts.
Jun 12, 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.
Jun 12, 2025
Person studying various checks, money

How to handle a lost cashier’s check

Losing a cashier’s check is much different than losing a personal check.
Jun 12, 2025
person working on a laptop

Banks vs. credit unions: How to decide where to keep your money

Knowing your financial needs and goals can help you choose where to keep your money.
Jun 11, 2025
Illustration of Fed Chair Jerome Powell

Inflation has now risen for two months. Is an interest rate cut from the Fed a mistake?

Fed officials are still widely expected to cut interest rates for a third time.
Dec 16, 2024
Fed chair Jerome Powell makes a speech

Fed cuts interest rates by quarter point, points to uncertain next steps after Trump’s election win

The Federal Reserve cut interest rates for the second consecutive meeting but this time by a smaller quarter of a percentage point.
Nov 07, 2024
Jerome Powell, Chair of the Federal Reserve of the United States

Fed Meeting Live Updates: What comes next for the Fed’s rate cut plans?

Follow along as Bankrate’s experts break down the Fed’s next interest rate decision.
Nov 07, 2024
A voter casts his ballot.

Election Day 2024: Is your bank closing early today?

Here’s a look at what a number of popular banks are doing.
Nov 04, 2024
A woman holding a "home for sale" sign

Now that the Fed has cut rates, is it time to buy or sell a home?

Following the Federal Reserve rate cut in September, you might be asking, is it time to buy or sell a home? Here are some insights.
Oct 31, 2024
Picture of the front of the Federal Reserve building

What is a bank bailout?

A look at what a bank bailout is with some examples of notable bank bailouts from the past.
Sep 30, 2024
Fed Chair Jerome Powell speaks during a news conference

Fed lowers interest rates with surprising jumbo half-point cut

Fed officials are trying to prevent an economic slowdown from getting worse.
Sep 18, 2024
Illustration of Fed Chair Jerome Powell

September Fed Meeting Live Updates: What the Fed’s big half-point cut means for you

Tune in to Bankrate’s live coverage of the Fed’s first rate cut since 2020.
Sep 18, 2024
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