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Recommended reading

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 April 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

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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.
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Experian launches savings account for its members

Experian’s new savings account has a yield based on membership tier and no minimum deposit.
Feb 13, 2026

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.

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Jan 28, 2026
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Every financial decision you make is impacted by the Federal Reserve.
Jan 26, 2026
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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
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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
Whimsical illustration of a hand putting a quarter into a miniature but realistic high end safe. As if it were a piggy bank

What is the average interest rate for savings accounts?

Comparing savings rates can ensure you get the best return on your savings.
Mar 31, 2026
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Savers can stash their cash in a brokerage these days to rack up returns.
Mar 25, 2026
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Zelle limits at top banks

Looking to use Zelle for a transfer? Here are the Zelle limits at various banks.
Mar 25, 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.
Mar 24, 2026
Woman watering plants.

Current CD rates for March 2026

Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Mar 24, 2026
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Best banks in Texas for 2026

As the old saying goes: “Everything is bigger in Texas.” And that’s also true of your list of options when choosing a bank or credit union in the state.
Mar 24, 2026
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Best credit union savings account rates

If you’re looking to save with a credit union, here are the top rates available.
Mar 20, 2026
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National average money market account rates for March 2026

Get the latest rates on top-yielding money market accounts.
Mar 09, 2026
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A Not-So-Great Resignation? Workers who found a better-paying role feel less job security as recession fears rise

They may have found a better-paying job, but are those workers better off?
Oct 20, 2022
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All the ways a president can (and can’t) influence the Federal Reserve

Presidents may affect the world’s most powerful central bank more than you think.
Oct 07, 2022
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Survey: Experts see massive hiring slowdown and surging unemployment a year from now

How long will the job market hold up amid the Fed’s rapid rate hikes?
Oct 05, 2022
Jerome Powell speaking at a podium

Survey: Fed’s inflation fight will take interest rates to highest since 2007

Economists see the Fed’s tightening cycle peaking at 4.5-4.75 percent.
Oct 05, 2022
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Survey: Odds of a U.S. recession by mid-2024 now hit 65%

Storm clouds are gathering above the economy amid high inflation and interest rates.
Oct 05, 2022
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Survey: 43% of economists say inflation hasn’t yet peaked

That’s even despite the Fed’s fastest rate hikes since the 1980s.
Oct 05, 2022
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Americans have recession fatigue — and it’s keeping them from preparing for the next downturn

Feeling deprived during lockdowns, Americans aren’t ready to fall back on progress.
Sep 26, 2022
Federal Reserve Chair Jerome Powell speaks with journalists after the Fed's July meeting.

Fed lifts rates by another three-quarters of a percentage point to curb runaway inflation

Not since the 1980s have officials raised rates this much in a single year.
Sep 21, 2022
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