US savings rate and inflation, September 2025
Monthly report on US savings rates, inflation and interest rates in September 2025, based on official data.
- Average savings rate: 0.40% — vs previous month up (+0.01% pp); vs a year earlier down (-0.06% pp).
- Inflation: 3.0% — vs previous month up (+0.1% pp).
- Real savings return: -2.60%.
- US national average 12-month CD rate: 1.70%.
- Federal funds effective rate: 4.09%.
- US 10-year Treasury yield: 4.16%.
What does it mean? With $10,000 in an average savings account you lost roughly $260 of purchasing power on an annual basis in September 2025.
- US national average savings rate
- US CPI inflation (CPI-U, year over year)
- Federal funds effective rate
Do the maths: savings calculator · FIRE calculator · all data.