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 01/31/2026. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.81^%_APY

National Average

0.61^%_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

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.

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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.

A majority (81%) of Americans did not increase their emergency savings this year

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.

Looking for a place to park your savings? Here’s why a MMA might be appealing.

A young woman researches on her phone at a cafe.

Short answer? Yes. Here’s what you need to know.

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Learn why you need to check your APY.

Many of these banks offer low-fee accounts and higher yields than some of the biggest banks.

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

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 [...]

Woman reading folder at desk in living room

Here’s how to respond to lower rates if you’re in the market for a CD or savings account.

One Bankrate experts suggest deposit yields may be close to bottoming out.

Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.

Here’s how to boost your savings.

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Sometimes paying an early withdrawal penalty on a CD isn’t a bad idea.

The National Credit Union Administration is similar to the FDIC, which covers banks.

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Mobile apps make managing your money a snap and mobile alerts can help protect it.

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

Photo of Fed Chair Jerome Powell at a podium, holding his hands up.

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 [...]

Looking for a nearby Wells Fargo location or ATM? Here’s how to find the closest ones.

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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