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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

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Image of Jerome Powell speaking from the Federal Reserve podium.
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Illustration of coins with a headline that reads best high-yield savings accounts today
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illustration with piggy bank and arrow in background with headline saying today's top savings rates
Compare the best high-yield savings rates as of September 10, 2025.
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Image of Jerome Powell speaking from the Federal Reserve podium.
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People walk by a Western Union location in New York.
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Artifical intelligence (AI) is likely to reshape our lives in as big a way as the internet did in the 1990s and smartphones did in the 2000s (scary or exciting as that may be). That means changes to your [...]
Illustration of coins with a headline that reads best high-yield savings accounts today
Compare the best high-yield savings rates as of September 12, 2025.
Woman watering plants.
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Whimsical illustration of a hand putting a quarter into a miniature but realistic high end safe. As if it were a piggy bank
Comparing savings rates can ensure you get the best return on your savings.
Cash-out refis are out, and home equity lines of credit are in.
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If you have credit card debt, your interest rates are likely to remain high in 2025.
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Design element of Federal Reserve Chair Jerome Powell
The Fed is expected to cut interest rates a third time. Here’s what to watch.
Illustration of Fed Chair Jerome Powell
Fed officials are still widely expected to cut interest rates for a third time.
Fed chair Jerome Powell makes a speech
The Federal Reserve cut interest rates for the second consecutive meeting but this time by a smaller quarter of a percentage point.
Jerome Powell, Chair of the Federal Reserve of the United States
Follow along as Bankrate’s experts break down the Fed’s next interest rate decision.
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