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The latest in banking news, surveys and statistics from our Bankrate experts.

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A majority (81%) of Americans did not increase their emergency savings this year
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Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
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Expect savings and money market account yields to slide lower, but they still should outpace inflation

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.
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Bankrate Financial Analyst

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Principal U.S. Economy Reporter

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Senior Economic Analyst

Latest articles

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Bankrate’s experts are reacting live to the Fed’s latest interest rate decision.
Jerome Powell, chair of the US Federal Reserve, during a news conference following a Federal Open Market Committee (FOMC) meeting.
The Fed has now gone six months without cutting interest rates.
Fed Chair Powell Holds News Conference Following FOMC Rate Decision
This Fed communication tool is important, but be cautious when interpreting it.
An image depicting parents and a small child sitting at a table with an open laptop, papers, and a calculator sitting on top of it. There is a large compass behind the parents and an arrow pointed to the upper right of the image.
High tariffs will make it harder for parents to afford the necessities — but don’t panic.
Older man with glasses sits on a couch next to a younger woman with curly hair. They are looking at official paperwork on a coffee table that also contains a calculator. There is an image of a large compass behind their heads and an blue arrow pointing from lower left to upper right.
Economic uncertainty is making it harder for low-income Americans save.
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Several banks are offering high-yield savings accounts well above 4 percent APY.
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More than half of Americans also say the U.S. economy is on the wrong track.
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The highest savings account rate has dipped ahead of next week’s Fed rate decision.
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These popular banks are available to speak with customers around-the-clock.
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These joint checking accounts are ideal for sharing finances with another person.
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Get the latest rates on top-yielding money market accounts.
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Comparing savings rates can ensure you get the best return on your savings.
Woman watering plants.
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
A woman and daughter work together
A savings account can be a great tool to teach your child about money. Here are a few of our favorites.
A Truist Financial bank branch in Miami, Florida, US
Looking for a nearby Truist Bank location or ATM? Here’s how to find the closest ones.
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 [...]
The Federal Reserve’s decisions have ripple effects, including for mortgages.
Exterior of Federal Reserve building
Does the Fed interest rate affect car loans? Yes, it does: It has a domino effect that can raise or lower auto loan rates.
Outside of the Federal Reserve building
The Federal Reserve just lowered interest rates for the first time in four years.
A Black couple talk to a salesperson at a car dealership.
Auto rates will likely not decrease this year. Consider how to still save.
If you’re looking at HE loans or have a variable-rate line of credit, pay attention to the Fed.
US-ECONOMY-FEDERAL RESERVE-RATE-POWELL
The Fed’s rate hold means loans costs are sticking. Here’s what it means for your business.
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Bankrate analyzed the Fed’s historic rate moves for clues on what might come next.
U.S. Federal Reserve Chairman Jerome Powell delivers remarks at a news conference.
The best way for most investors to approach this type of market is to stick to their long-term plan.
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