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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

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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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In this era of no-fee banking, pesky fees still exist. Here’s how to avoid them.
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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.
Woman reaching in to the air for cash
Prices rise and fall all the time in the U.S. economy. It’s not always inflation.
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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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Compare the best high-yield savings rates as of September 9, 2025.
Fed rate hike to curb inflation, wooden block with FED and up-down arrows icon. Central banking system and interest rate changes.
We look back at how banks handled rate cuts in 2024, and what to expect in 2025.
Illustration of coins with a headline that reads best high-yield savings accounts today
Compare the best high-yield savings rates as of September 8, 2025.
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These CD specials help you earn more money on interest without taking on risk.
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Single people and young families tend to have significantly less saved.
Panorama of aerial view of Downtown Houston, Texas, USA
As the old saying goes: “Everything is bigger in Texas.” And that’s also true of your list of options when choosing a bank or credit union in the state.
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Managing your finances and choosing the right bank can be daunting, especially in a state as big and diverse as Florida.
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California is a large state, and so are your list of options when it comes to banking in the Golden State. With so many options available, it can be tough to find the right fit. But don’t worry, we’ve [...]
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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.
Fed rate hike to curb inflation, wooden block with FED and up-down arrows icon. Central banking system and interest rate changes.
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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