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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

Woman voting in a face mask at the polls

Biden or Trump? Plenty of young people remain undecided about who is best for their finances

In this election, many young voters remain unsure about at least one key issue.
Sep 17, 2020
Federal Reserve Chair Jerome Powell speaks at post-meeting press conference

Fed decision: Interest rates held steady, sees rates at zero through at least 2023

Expect this lower-for-longer interest rate environment to persist until the economy is back on track.
Sep 16, 2020
A framing art gallery is closed in Venice Beach, California, during the coronavirus pandemic.

When will the U.S. economy get back on track following coronavirus shock? Watch for these 5 signs

The return to normalcy could happen later — rather than sooner. 
Sep 15, 2020
Federal Reserve Eccles Building in Washington, D.C.

Preview of the Fed meeting: 4 key things to watch as officials look to prop up economic recovery

Now may come the hardest part, both for consumers and Fed watchers.
Sep 11, 2020
A person wears a protective face mask outside a GNC store.

Why the coronavirus crisis could cause a double-dip recession — and how to prepare for one

Some forecasts suggest a resurgence in coronavirus cases could tip the financial system over again. 
Sep 10, 2020
Illinois State Capitol Building in Springfield, Illinois

The state and local budget crisis is here — and your finances could take a big hit

Accounting for nearly a tenth of the U.S. economy, cutbacks could weigh down the recovery.
Sep 04, 2020
Employees hadn out unemployment applications to people in their vehicles

8 ways to help rescue the job market from coronavirus-driven unemployment crisis

Ending the crisis depends largely on eradicating the virus and the economic problems it opened up.
Sep 04, 2020
The Capitol building in Washington, D.C.

Coronavirus relief and stimulus plans: Here’s everything Washington has done (and proposed) so far

From relief checks to unemployment insurance, here’s what could impact your wallet.
Sep 04, 2020
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
Smiling person with smartphone walking on the street

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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