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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

Home Finances

Amid high tariff fallout, here’s how to earn more interest on your savings account

Here’s how to earn more interest with a high-yield savings account.
Apr 08, 2025
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This checking account promotion offers 4% APY

Here’s what you need to know about this high-yield checking promo.
Mar 25, 2025
A headshot of Hanna Hovarth, a woman with blonde shoulder length hair wearing a black shirt. Next to her is a money bag with a dollar sign on it.

A CFP’s 5-step plan to combat stubborn inflation

A certified financial planner shares a practical five-step strategy to protect your finances from inflation’s ongoing impact.
Mar 20, 2025
Jerome Powell, chair of the US Federal Reserve, speaks during a news conference following a Federal Open Market Committee (FOMC) meeting.

The Fed keeps rates steady while warning of increasingly uncertain economic outlook

Uncertainty over President Donald Trump’s policies is keeping the Fed on the sidelines, at least for now.
Mar 19, 2025
Illustration of Fed Chair Jerome Powell

March Fed meeting recap: Powell acknowledges that Trump tariffs are already boosting inflation as Fed keeps rates steady

Bankrate’s experts are reacting live to the Fed’s latest interest rate decision.
Mar 19, 2025
illustration of hammer with box with red health cross sign on it and a stack of cash

How to rebuild your emergency savings

Emergency savings depleted? Here’s how to start replenishing it.
Mar 18, 2025
Aerial View of The White House at 1600 Pennsylvania Avenue and Lafayette Square, Washington DC, USA.

How I’m Saving $24,000 By Moving from Boston to Washington, D.C.

After facing a rent increase, I’m moving to Washington, D.C. to save $24,000 over two years.
Mar 13, 2025
Illustration of hand reaching into a computer

Survey: Many consumers stick with same bank accounts for decades, cite convenience as a factor

On average, Americans have kept the same bank accounts for over a decade.
Mar 09, 2025

Bankrate’s 2026 Annual Emergency Savings Report

A majority (81%) of Americans did not increase their emergency savings this year
Feb 04, 2026
Woman watering plants.

Current CD rates for January 2026

Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Jan 31, 2026

How to save money: 14 easy tips

Here’s how to boost your savings.
Jan 31, 2026
Person frowning at a laptop screen with illustration of money in background

Here’s when an early withdrawal from a CD is worth it

Sometimes paying an early withdrawal penalty on a CD isn’t a bad idea.
Jan 28, 2026
Closeup of someone counting money

NCUA: What it is and how it keeps your credit union deposits safe

The National Credit Union Administration is similar to the FDIC, which covers banks.
Jan 28, 2026
Illustration of an old-fashioned alarm bell ringing , hovering over a cell phone.

9 mobile banking alerts you should turn on right now

Mobile apps make managing your money a snap and mobile alerts can help protect it.
Jan 28, 2026
Person imagining a piggy bank made out of cash.

How to open a savings account: 5 steps to take

Ready to open a savings account? Here’s what you’ll need to know.
Jan 28, 2026
Photo of Fed Chair Jerome Powell at a podium, holding his hands up.

The Fed just held rates steady. Should I lock in a CD right now?

The Federal Reserve left interest rates unchanged at its first meeting of 2026, keeping borrowing costs in a target range of 3.5-3.75%. This decision (supported by a 10-2 vote) pauses a streak of three [...]
Jan 28, 2026

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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