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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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Bankrate Financial Analyst

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Principal U.S. Economy Reporter

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Senior Economic Analyst

Latest articles

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
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
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
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
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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