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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.

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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Latest articles

A majority (81%) of Americans did not increase their emergency savings this year
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Federal Reserve Eccles Building illustration
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Image by Getty Images, illustration by Bankrate
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The Federal Deposit Insurance Corporation building
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Exterior of Federal Reserve building
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Outside of the Federal Reserve building
The Federal Reserve held rates steady at its January 2026 meeting.
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Federal Reserve Eccles Building illustration
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