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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 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.
Mar 24, 2026
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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.

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
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6 key ways the Federal Reserve impacts your money

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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5 ways to use your brokerage like a savings account

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
Panorama of aerial view of Downtown Houston, Texas, USA

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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The Great Resignation: Why millions of workers are leaving their jobs and what to consider before quitting

A game of hiring musical chairs is afoot — and it doesn’t look like it’ll be stopping anytime soon.
Nov 17, 2021
Federal Reserve Chair Jerome Powell speaks at a post-Federal Open Market Committee press conference

Fed will begin tapering bond-buying stimulus, rates remain at near-zero

The Fed’s decision is a vote of confidence about the economy.
Nov 03, 2021
Federal Reserve Chairman Jerome Powell speaks to lawmakers at a testimony

Taper, explained: How the Fed plans to slow its bond purchases without wrecking the economy

The Fed’s massive bond-buying program has about run its course. Here’s how a taper works.
Nov 02, 2021
Federal Reserve Chair Jerome Powell speaks at congressional hearing.

Will Biden reappoint Powell as Fed chair? Here’s the latest and what experts are saying

The president will have to weigh his party’s priorities with his desire for continuity.
Oct 22, 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
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
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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
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
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