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 02/08/2026. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.83^%_APY

National Average

0.60^%_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 majority (81%) of Americans did not increase their emergency savings this year

Here’s how to boost your savings.

Person imagining a piggy bank made out of cash.

Ready to open a savings account? Here’s what you’ll need to know.

Illustration of construction workers on a roof

An emergency fund is an essential part of a solid financial plan.

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

Woman sitting outside of restaurant looking at cell phone

Getting into the habit of paying yourself first is hard. Here are some ideas to help you start.

Illustration of an old-fashioned physical bank branch and a mobile phone.

Keeping your savings in a bank down the street may seem like the obvious play, but there may be real downsides for doing so.

Whimsical illustration of a hand putting a quarter into a miniature but realistic high end safe. As if it were a piggy bank

Comparing savings rates can ensure you get the best return on your savings.

Asian women using laptop computer at home working space.

CD terms can range from three months to five years. Learn which one is right for you.

Financial manager meeting with couple in bank branch office

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

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.

Expect yields to continue trending downward in 2026.

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.

CDs and MMAs can pay competitive rates, but they have different drawbacks and benefits.

Learn how CD ladders and partial withdrawals can be used to fund emergency savings.

Withdrawing your money from a CD before the term ends can be costly.

It’s possible to leverage the money in your CDs to grow your emergency savings.

People walking back and forth in front of Capital One Bank entrance.

A CFPB lawsuit claims Capital One underpaid savings account interest by $2 billion.

Illustration of Fed Chair Jerome Powell with money around him.

Surveyed economists predict lower recession odds — but higher inflation — for 2025.

A graphic of origami of a dollar bill folded to look like a piggy bank with a penny on top.

Expect savings and money market account yields to slide lower this year, but they still should outpace inflation, according to the latest forecast from Bankrate chief financial analyst Greg McBride. McBride [...]

signage outside the federal deposit insurance corporation headquarters

Worried about losing money held at a bank? Here’s what to know about FDIC insurance.

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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