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Bankrate’s 2026 Annual Emergency Savings Report

Banking
A majority (81%) of Americans did not increase their emergency savings this year
By Karen Bennett
10 min read
Woman watering plants.

Current CD rates for February 2026

Banking
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
By Karen Bennett
3 min read
A graphic with a pale yellow background and a darker yellow circle in the center. There is a red line trending up and to the right, with a piggy bank that has coins falling into it in front of that.

Savings and money market account rates forecast for 2026: Rates will continue to slide but remain ahead of inflation

Banking
Expect yields to continue trending downward in 2026.
By Karen Bennett
4 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

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Latest articles

Bankrate’s 2026 Annual Emergency Savings Report

A majority (81%) of Americans did not increase their emergency savings this year
Feb 04, 2026
Jerome Powell, chairman of the US Federal Reserve, during a news conference following a Federal Open Market Committee (FOMC) meeting in Washington, DC.

The Fed didn’t cut interest rates. Here are 5 things to watch next.

The big question: How long will the Fed be on hold?
Jan 28, 2026
Federal Reserve Eccles Building illustration

Fed’s interest rate history: The federal funds rate from 1981 to the present

Bankrate analyzed the Fed’s historic rate moves for clues on what might come next.
Jan 28, 2026
Illustration of a US Federal Reserve ink stamp

6 key ways the Federal Reserve impacts your money

Every financial decision you make is impacted by the Federal Reserve.
Jan 26, 2026
Jerome Powell in front of interest rate graphic

How many rate cuts in 2026? These mounting pressures will put the Fed at a crossroads this year 

A complicated U.S. economy. Stubborn inflation and a jobless boom. Unprecedented conflict with the president. Personnel changes, and a new Fed chair. Federal Reserve officials are no stranger to difficult [...]
Jan 26, 2026
Illustration of Fed Chair Jerome Powell with a now hiring sign in the background.

From AI bubble fears to the job market’s ‘Great Freeze’: Economists answer your biggest questions about 2026

The U.S. may dodge a recession, but experts aren’t denying it: Something feels off.
Jan 12, 2026
A graphic with a pale yellow background and a darker yellow circle in the center. There is a red line trending up and to the right, with a piggy bank that has coins falling into it in front of that.

Savings and money market account rates forecast for 2026: Rates will continue to slide but remain ahead of inflation

Expect yields to continue trending downward in 2026.
Jan 06, 2026
A music CD underneath a piggy bank

CD rates forecast for 2026: APYs will trend lower but still beat inflation

You can find a CD account that significantly out-earns the national average if you shop around among banks.
Jan 06, 2026
Pedestrians carry shopping bags in San Francisco, California.

Survey: Nearly half of economists say U.S. economy still faces considerable downside risks over next year

The U.S. economy has made progress in it’s battle against the pandemic but isn’t out of the woods just yet.
Oct 07, 2021
A person wearing a protective mask holds a fuel pump nozzle at a Chevron Corp. gas station in San Francisco, California.

Survey: More than a third of economists say inflation will be more significant than expected this year

Experts all along had anticipated higher inflation this year, though the question is how long it will last.
Oct 07, 2021
Federal Reserve Chair Jerome Powell speaks to lawmakers during a testimony.

Survey: Increasing number of top economists now expecting Fed rate hike over coming year

Experts say higher inflation and a faster rebound could force the Fed’s hand.
Oct 07, 2021
A 'Help Wanted' sign is posted beside Coronavirus safety guidelines in front of a restaurant.

Survey: Economists see unemployment holding above pre-pandemic levels a year from now

The job market has come a long way, but economists’ forecasts suggest more recovery time is needed.
Oct 07, 2021
Federal Reserve Bank Chairman Jerome Powell speaks at a press conference in Washington

Fed divided on 2022 interest rate hike, signals bond-buying taper coming ‘soon’

The Fed isn’t in a rush to raise rates, but slowing asset purchases appears to be on deck.
Sep 22, 2021
Stacks of dollars bills moving through a machine at the U.S. Bureau of Engraving and Printing

The repo market, explained — and why the Fed has pumped hundreds of billions into it

You might not know it, but the repo market is the bedrock for the financial system.
Sep 10, 2021
For Rent sign taped on gated storefront, Queens, New York

Sorry, we’re closed: The inside story of COVID-crushed small businesses and their comeback hopes

The only thing harder than shutting down the world’s largest economy is bringing it all back to life.
Aug 17, 2021
Federal Reserve Chairman Jerome Powell speaks to reporters at a press conference.

Fed keeps rates at near-zero, says economy has made progress

As the economy rebounds, don’t expect the Fed’s extraordinary support to last forever.
Jul 28, 2021

How does the Federal Reserve affect mortgages?

The Federal Reserve’s decisions have ripple effects, including for mortgages.
Jan 29, 2026

How the Federal Reserve affects HELOCs and home equity loans

If you’re looking at HE loans or have a variable-rate line of credit, pay attention to the Fed.
Jan 29, 2026
A Black couple talk to a salesperson at a car dealership.

When will car interest rates start dropping?

Auto rates will likely not decrease this year. Consider how to still save.
Jan 29, 2026
Exterior of Federal Reserve building

How does the Fed interest rate affect car loans?

Does the Fed interest rate affect car loans? Yes, it does: It has a domino effect that can raise or lower auto loan rates.
Jan 29, 2026
Outside of the Federal Reserve building

How the Federal Reserve impacts personal loans

The Federal Reserve held rates steady at its January 2026 meeting.
Jan 28, 2026
US-ECONOMY-FEDERAL RESERVE-RATE-POWELL

How the Federal Reserve affects business loans

The Fed’s rate hold means loans costs are sticking. Here’s what it means for your business.
Jan 28, 2026
Federal Reserve Eccles Building illustration

Fed’s interest rate history: The federal funds rate from 1981 to the present

Bankrate analyzed the Fed’s historic rate moves for clues on what might come next.
Jan 28, 2026
U.S. Federal Reserve Chairman Jerome Powell delivers remarks at a news conference.

How the Fed impacts stocks, bonds, crypto and other investments

The best way for investors to deal with the Fed’s interest rate changes? Focus on your long-term investment plan.
Jan 28, 2026
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