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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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Bankrate Financial Analyst

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Principal U.S. Economy Reporter

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Senior Economic Analyst

Latest articles

Fed Chair Powell Holds News Conference Following FOMC Rate Decision

The Federal Reserve’s latest dot plot, explained – and what it says about interest rate cuts

This Fed communication tool is important, but be cautious when interpreting it.
Jun 18, 2025
An image depicting parents and a small child sitting at a table with an open laptop, papers, and a calculator sitting on top of it. There is a large compass behind the parents and an arrow pointed to the upper right of the image.

Navigating Now: How parents can shield their families from tariff-driven inflation

High tariffs will make it harder for parents to afford the necessities — but don’t panic.
Jun 17, 2025
Older man with glasses sits on a couch next to a younger woman with curly hair. They are looking at official paperwork on a coffee table that also contains a calculator. There is an image of a large compass behind their heads and an blue arrow pointing from lower left to upper right.

Navigating Now: How to save for the future when you don’t make enough today

Economic uncertainty is making it harder for low-income Americans save.
Jun 17, 2025
A man works on his laptop.

High-yield savings rates today: June 16, 2025 | Many banks are still offering a top yield of 4.30% APY

Several banks are offering high-yield savings accounts well above 4 percent APY.
Jun 16, 2025
Image of a large money bag in a shopping cart in front of a red downward pointing arrow.

Survey: 65% of Americans think tariffs would be bad for their personal finances

More than half of Americans also say the U.S. economy is on the wrong track.
Jun 16, 2025
Woman on laptop

High-yield savings rates today: June 9, 2025 | Best APY decreases slightly to 4.30%

The highest savings account rate has dipped ahead of next week’s Fed rate decision.
Jun 09, 2025
A photo of the author of the article near a computer and book

This one mindset shift helped me make it easier to save money

Saving money isn’t just about cutting costs. Sometimes, it’s about reframing how you spend your time. Here’s how one mindset shift helped me avoid impulsive purchases and grow my savings with less [...]
Jun 04, 2025
Mature woman helps her daughter study for exam

High-yield savings rates today: June 2, 2025 | Highest APY remains 4.40% as the Fed prepares its next move

Fed officials indicate that interest rates will remain steady at its next meeting.
Jun 02, 2025
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
A woman holds a phone at an office

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
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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
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
Whimsical artwork of four piggy banks standing atop of four stacks of coins, gradually increasing in height

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
Financial manager meeting with couple in bank branch office

National average money market account rates for March 2026

Get the latest rates on top-yielding money market accounts.
Mar 09, 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

How does the Federal Reserve affect mortgages?

The Federal Reserve’s decisions have ripple effects, including for mortgages.
Mar 20, 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.
Mar 19, 2026
New Friends Walking on University Campus

How the Fed rate changes impact student loan interest rates

The Federal Reserve’s actions can influence student loan interest rates.
Mar 18, 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.
Mar 18, 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.
Mar 18, 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.
Mar 18, 2026
Woman online banking with a tablet

Regulation D and savings account withdrawal limits – here’s what changed

How Reg. D impacts your savings account and why it pays to check with your bank.
Mar 04, 2026
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