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Nearly 1 in 4 Americans have no emergency savings, according to a new Bankrate survey.
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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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About Bankrate
Greg McBride

Greg McBride, CFA Arrow Right Icon

Chief Financial Analyst

Sarah Foster

Sarah Foster Arrow Right Icon

Principal U.S. Economy Reporter

Mark Hamrick

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Senior Economic Analyst

Latest articles

Compare the best high-yield savings rates as of September 15, 2025.
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Compare the best high-yield savings rates as of September 12, 2025.
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Compare the best high-yield savings rates as of September 11, 2025.
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Upcoming Medicaid cuts may make it harder for disabled people to save money.
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Compare the best high-yield savings rates as of September 10, 2025.
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Here’s how much $10,000 in a high-yield savings account can earn you.
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These financial products are very similar but have some key differences.
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Your money doesn’t just sit in the bank. Here’s what it’s been up to.
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Economic uncertainty is making it harder for low-income Americans save.
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High tariffs will make it harder for parents to afford the necessities — but don’t panic.
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After years of being passed over by established banks, startups are working to shift the paradigm in financial services and better serve LGBTQ customers. Here’s what the disruptors are building, how [...]
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Bank account budgeting tools make it easy to track your personal finances.
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Here are differences between CDs and share certificates, and which one to choose.
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Understanding mortgage rate movements could save you money.
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Prices rise and fall all the time in the U.S. economy. It’s not always inflation.
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We look back at how banks handled rate cuts in 2024, and what to expect in 2025.
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The August jobs slowdown sets the stage for a Fed cut and brought mortgage rates to their lowest levels of the year.
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With a big Federal Reserve decision on the horizon, does it make sense to refinance your mortgage now, or wait?
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The Fed continues to signal lowering rates later this month. Here’s how to prepare.
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Worried that your high-yield savings APY isn’t so high? Here’s how to stay on top.
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As the Fed hints at lowering interest rates, here’s how to prepare when rates fall.
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