Skip to Main Content

Banking News

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

Money Bag Icon
CD rates
Savings Rate Icon
High yield savings
Rates Icon
Money market rates
Dollar Icon
Checking accounts
Bank With Star Icon
Bank reviews

Recommended reading

Money next to flashing sirens

Bankrate’s 2025 Annual Emergency Savings Report

Banking
Nearly 1 in 4 Americans have no emergency savings, according to a new Bankrate survey.
By Lane Gillespie
12 min read
Woman watering plants.

Current CD rates for July 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

Experts in all things finance

Our expert reporters and editors bring the news and analysis you need—backed by data and firsthand experience.

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

Mark Hamrick Arrow Right Icon

Senior Economic Analyst

Latest articles

Woman with morning cup of coffee, sitting on patio and enjoying moment for herself.

The American dream gap: Why more men than women feel optimistic in today’s economy

Many women feel financial success is out of reach in today’s economy — but it doesn’t have to be.
Jul 10, 2025
woman looking at her phone while walking outside

High-yield savings rates today: July 7, 2025 | Best APYs remain north of 4%

Top savings APYs remain above 4%, with plenty of account options to choose from.
Jul 07, 2025
Illustration of Fed Chair Jerome Powell with torn pieces of money falling around him and a jagged arrow rising from the lower left to the upper right. There is also a Now Hiring sign behind him in the upper left of the image.

Bankrate’s Economic Indicator Survey: Unemployment could rise to the highest since 2021 by next year

A slowdown may already be underway in the once formidable U.S. job market.
Jul 02, 2025

Is there still such a thing as a 5% CD?

Currently, you can lock in annual percentage yields (APYs) on certificates of deposit (CDs) above 4 percent on many nationally available CDs, while a select few financial institutions offer promotional [...]
Jun 30, 2025
female soldier and her husband use a banking app to check the state of their finances

High-yield savings rates today: June 30, 2025 | Top APY bumps up to 4.44%

Savings APYs remain high as the Federal Reserve holds interest rates steady.
Jun 30, 2025
Money next to flashing sirens

Bankrate’s 2025 Annual Emergency Savings Report

Nearly 1 in 4 Americans have no emergency savings, according to a new Bankrate survey.
Jun 26, 2025
Daughter and father using mobile phone

High-yield savings rates today: June 23, 2025 | Best APY remains 4.30% after Fed’s latest rate decision

Several banks continue to offer savings accounts well above 4 percent APY.
Jun 23, 2025
Design element with Jerome Powell

June Fed meeting recap: Fed leaves rates alone, continues to see two cuts in 2025

Bankrate’s experts are reacting live to the Fed’s latest interest rate decision.
Jun 18, 2025
Piggy bank in the green grass at sunset

Using green banks to make your money matter

Banks are increasing offerings of green accounts. Here’s what you need to know.
Jul 10, 2025
Woman watering plants.

Current CD rates for July 2025

Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Jul 10, 2025
Financial manager meeting with couple in bank branch office

National average money market account rates for July 2025

Get the latest rates on top-yielding money market accounts.
Jul 10, 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.
Jul 10, 2025
Woman with morning cup of coffee, sitting on patio and enjoying moment for herself.

The American dream gap: Why more men than women feel optimistic in today’s economy

Many women feel financial success is out of reach in today’s economy — but it doesn’t have to be.
Jul 10, 2025
A large pile of cash next to a padlock

Here’s how much $100,000 in a CD could earn you in 1 year

A one-year CD can be a safe and worthwhile option, especially turning to high-yielding online banks or credit unions.
Jul 08, 2025
A young female researches on her phone.

No-penalty CDs: What they are and how they work

Here’s the lowdown on no-penalty CDs, and how they differ from regular CDs.
Jul 07, 2025
Woman studying a document and working on a laptop

4 reasons to have multiple savings accounts

Here’s how multiple savings accounts can help you reach your financial goals.
Jul 07, 2025
Federal Reserve Chairman Jerome Powell speaks at post-meeting press conference

The Fed’s crisis playbook: 7 ways America’s recession fighters can battle a floundering economy

The Fed has more in its back pocket than just cutting interest rates.
Nov 18, 2020
Federal Reserve Chairman Jerome Powell speaks at a press conference

Fed holds rates near zero as presidential election results remain uncertain

The Fed will continue to stay on the sidelines when it comes to rates.
Nov 05, 2020
A women wearing a facemask talks on the phone while crossing the street

Survey: Top economists see unemployment rate holding above pre-pandemic levels into 2021

While economists were more optimistic, they weren’t without doubts about the risks to the outlook.
Oct 01, 2020
The rotunda on Capitol Hill

The budget deficit, explained — and how to prepare for a rising tax burden down the road

The financial practice of spending less than you make doesn’t apply to the federal government.
Sep 18, 2020
Donald Trump and Jerome Powell speaking from the White House Rose Garden

Here’s what a Trump or Biden presidency would mean for banking

Either way you look at it, there’s going to be some whiplash — possibly weighing on consumers’ wallets.
Sep 16, 2020
A framing art gallery is closed in Venice Beach, California, during the coronavirus pandemic.

When will the U.S. economy get back on track following coronavirus shock? Watch for these 5 signs

The return to normalcy could happen later — rather than sooner. 
Sep 15, 2020
Two people under umbrella using tablet

How to protect your money from rate decreases with a CD

The Fed’s recent actions may force savers to start thinking differently about their money.
Sep 14, 2020
Envelopes

Ask Bankrate: How can savers stay ahead of inflation?

A reader asks how people living on fixed income can beat inflation.
Sep 11, 2020
The trusted provider of accurate rates and financial information
Wall Street Journal
Usa Today
New York Times
Cnn
Bloomberg
Abc