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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 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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Bankrate Financial Analyst

Sarah Foster

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Principal U.S. Economy Reporter

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Senior Economic Analyst

Latest articles

Rapidly spreading coronavirus has left markets jittery

Survey: Top economists see slowing economic recovery from coronavirus pandemic in 2021

There’s a light at the end of the tunnel, but the economic hardship won’t be over anytime soon.
Dec 23, 2020
Federal Reserve Chairman Jerome Powell speaks at post-meeting press conference.

Fed keeps interest rates at near-zero as coronavirus rebound sputters

The economy is nowhere close to being out of the woods.
Dec 16, 2020

Survey: Rates at zero until 2024, but coronavirus vaccine likely to ‘supercharge’ economy

Consumers should stick to the status quo.
Dec 14, 2020
Commuters arrive at South Station in Boston wearing masks.

Survey: More than two-fifths of households say income hasn’t recovered from initial coronavirus hit

Even with the economy staging a recovery, many Americans are earning less than before the pandemic.
Dec 09, 2020
Senate Majority Leader Mitch McConnell (R-KY) talks with reporters.

Take these important precautions now before key coronavirus relief programs expire

It’s an “in case of fire, break glass” kind of moment.
Dec 02, 2020
Sen. Angus King (I-ME) sets up a sign alongside a bipartisan group of Democrat and Republican members of Congress as they announce a proposal for a Covid-19 relief bill.

$300 unemployment check boost: Here’s what’s in the latest coronavirus stimulus proposal

If passed, the Senate’s proposal would be the first major relief plan since March.
Dec 01, 2020
Federal Reserve Chairman Jerome Powell speaks at post-meeting press conference

The Fed’s crisis playbook: 7 ways America’s recession fighters can battle a floundering economy

The Fed has more in its back pocket than just cutting interest rates.
Nov 18, 2020
Airline industry workers hold signs during a protest in Chicago

A new wave of coronavirus-driven layoffs are looming — here’s who is most at risk

Another round of job losses similar to what Americans witnessed back in March may soon wreak havoc.
Nov 06, 2020

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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