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 12/04/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.85^%_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

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.

Someone watering a plant that grows cash

Here’s how much $100,000 in a high-yield savings account can earn you.

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

A savings account is a good tool for teaching children financial basics and responsibility.

sleeping child and grandma rest on travel adventure for family bonding

Saving for your grandchildren can help to minimize the financial burdens they face down the road.

A young woman researches on her phone at a cafe.

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

Earn more on your business cash with high-yield accounts offering competitive APYs.

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Business money market accounts offer higher yields while maintaining access to funds.

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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, but they still should outpace inflation

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

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

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Knowing your limit before making a purchase can help you make smarter decisions.

Cashier and customer at grocery store checkout

You can get a money order from many places. Here’s what you need to know.

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A second-chance checking account is designed for those whose banking history may prevent them from opening a standard account. Applicants sometimes have past problems such as an unpaid negative balance [...]

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Linking bank accounts is a way to make it easier to transact between the two.

Young female customer talking to cashier at checkout in supermarket

Now that the U.S. Mint is done producing pennies, what happens to consumer prices?

Spend money, pay bills, write checks or make fund transfers with a checking account.

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

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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