Savings

Bankrate helps you find the latest deals on savings accounts and learn strategies to maximize your yield.

Explore savings basics

The amount of money you should save each month will vary based on your goals. Here’s what to know.

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It’s a low interest rate environment, but there are ways to earn more on your money.

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Most people know they should save. But understanding why can make the habit stick. Saving isn’t just about “being responsible” — it’s about control, opportunity, and peace of mind. Here are seven [...]

Build good budgeting habits

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52-week money saving challenge

Follow this plan of making weekly deposits into your bank account, and you could save $1,378 by the end of the year.

SAVINGS

Bank accounts with budgeting tools

Choose a bank account that helps you develop healthy spending habits with built-in digital budgeting tools.

SAVINGS

Ways to save money on a tight budget

Even on a limited budget, small intentional changes can go a long way to help you build a savings cushion and have greater peace of mind.

SAVINGS

Best money-saving apps

Read up on top available rates and national average trends over time from Bankrate’s weekly survey of banks and credit unions.

Weekly Savings Rates

Bankrate consistently has offers well above the national average to help you earn more on your savings.

See our top savings account rates

Bankrate Partner Average

The "Bankrate Partner average" is calculated from the average of the top savings account offers from the institutions we track, included on this page as of 12/21/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.86^%_APY

National Average

0.62^%_APY

Experts in all things banking

Our expert writers and editors bring you timely news and reliable information - backed by data and first-hand experience.

About Bankrate's team

Stephen Kates, CFP

Bankrate Financial Analyst

Sarah Foster

Principal U.S. Economy Reporter

Mark Hamrick

Senior Economic Analyst

See how much your savings can grow

Bankrate can help you capitalize on the current high interest rate environment. Enter your expected contributions and APY to see how much interest your savings could earn over time.

Learn more

Latest articles

A savings account can be a great tool to teach your child about money. Here are a few of our favorites.

It’s important to find the right accounts for your emergency savings.

Illustration of cash under a beach umbrella

Here’s how much $10,000 in a high-yield savings account can earn you.

Fantasy image of a robot hand holding a phone with real cash falling out of the screen

For many of us, saving money feels like an uphill battle.

Woman studying a document and working on a laptop

Here’s how multiple savings accounts can help you reach your financial goals.

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

The best account to save your money will vary by your goal.

Image by GettyImages, Illustrated by Bankrate

The APY percentage shows how much an account earns per year. Here’s what you need to know.

These credit unions offer great rates and top-notch features — and many make it easy to join.

Young woman calculating her finances while sitting with her laptop.

Investing with mutual funds is an easy way to build a diversified portfolio. Here’s what you need to know.

These accounts sound similar, but there are some key differences to know.

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

The best account to save your money will vary by your goal.

Financial manager meeting with couple in bank branch office

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

A couple works on their finances on a laptop in their kitchen.

With interest rates somewhat volatile, it’s important to shop around for the best money market mutual funds.

Our top 5 picks scored highly for access, range of products and digital options.

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These options are great places to stash money from a bonus, inheritance and more.

Person depositing a check online with a phone

Your money doesn’t just sit in the bank. Here’s what it’s been up to.

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.

High tariffs will make it harder for parents to afford the necessities — but don’t panic.

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.

Economic uncertainty is making it harder for low-income Americans save.

Happy women talking to each other standing near ATM machine

After years of being passed over by established banks, startups are working to shift the paradigm in financial services and better serve LGBTQ customers. Here’s what the disruptors are building, how [...]

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Here are differences between CDs and share certificates, and which one to choose.

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Learn the key characteristics of certified checks and how they differ from other types of payments.

Inflation can eat away at your purchasing power, if you’re not keeping up with it.

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Savings

Explore savings basics

Build good budgeting habits

52-week money saving challenge

Weekly Savings Rates

National Average

Experts in all things banking

Compare top-rated banks

Review our top banks of 2025

See how much your savings can grow

Latest articles

Help us shape the future of personal finance