With interest rates on the way down, term deposits and savings accounts are starting to lose their appeal.

But don't worry because there are ASX dividend shares out there that could save the day.

But which shares would be good for income investors? Let's take a look at three that analysts are tipping as buys. Here's what they are recommending:

Dicker Data Ltd (ASX: DDR)

The first ASX dividend share that analysts are tipping as a buy is Dicker Data. It is a technology distributor that supplies software, hardware, cloud, and cybersecurity solutions across Australia.

It has been growing at a consistently strong rate for well over a decade. And as the tech sector continues to expand, it appears well-positioned to benefit from rising demand and continue its growth.

UBS believes this will be the case, particularly given how it expects demand from small and medium-sized enterprises (SMEs) to recover. The broker has a buy rating and $10.20 price target on its shares.

As for income, UBS is forecasting fully franked dividends of 49 cents per share in FY 2025 and then 53 cents in FY 2026. Based on its current share price of $8.10, this equates to dividend yields of 6% and 6.5%, respectively.

Rural Funds Group (ASX: RFF)

Another ASX dividend share that could be a buy is Rural Funds Group.

It is a diversified agricultural property company that owns a portfolio of high-quality assets across Australia. This includes almond orchards, cattle farms, vineyards, and macadamia plantations, with long-term lease agreements that provide predictable cash flow. Additionally, many of its contracts are linked to inflation, helping protect against rising costs.

Bell Potter remains very positive on Rural Funds. In fact, this morning the broker has reaffirmed its buy rating on its shares with a $2.45 price target. It highlights that "the 44% discount to market NAV is well above the historical average 5% premium since listing."

In respect to dividends, the broker continues to forecast dividends per share of 11.7 cents in FY 2025 and then 12.2 cents in FY 2026. Based on its current share price of $1.74, this will mean dividend yields of 6.7% and 7%, respectively.

Telstra Group Ltd (ASX: TLS)

A final ASX dividend share that could be a buy is Telstra. It is Australia's largest telecommunications provider, serving 22.5 million mobile customers and 3.4 million broadband customers.

This dominant market position gives Telstra a strong competitive edge and a reliable stream of cash flow, which could make it a top choice for income investors.

Goldman Sachs certainly believes this is the case. It has a buy rating and $4.50 price target on its shares.

As for income, it is forecasting fully franked dividends of 19 cents per share in FY 2025 and then 20 cents per share in FY 2026. Based on its current share price of $4.33, this equates to dividend yields of 4.4% and 4.6%, respectively.