US savings rate and inflation, December 2025
Monthly report on US savings rates, inflation and interest rates in December 2025, based on official data.
- Average savings rate: 0.39% — vs previous month down (-0.01% pp); vs a year earlier down (-0.03% pp).
- Inflation: 2.7% — vs previous month unchanged (0.0% pp).
- Real savings return: -2.31%.
- US national average 12-month CD rate: 1.63%.
- Federal funds effective rate: 3.64%.
- US 10-year Treasury yield: 4.18%.
What does it mean? With $10,000 in an average savings account you lost roughly $231 of purchasing power on an annual basis in December 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.