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 12/16/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.86^%_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

A wide-angle image of the front of the Federal Reserve HQ in Washington, DC. The U.S. flag is prominently displayed on the front of the building.

Despite political pressure, the Fed is expected to maintain interest rates.

With a bit of planning, you can reduce your grocery bill. Here’s how.

Learn how to earn the highest interest rates on a savings account.

Younger man in his 30s paying bills on his computer, with calculator, papers, bills, coffee and a pair of glasses on the table by his side.

Tariff concerns will likely cause the Fed to hold rates steady at its July meeting.

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Top savings APYs remain above 4%, with plenty of account options to choose from.

Mother and daughter looking at savings account info on a cellphone

The best savings accounts for teenagers offer competitive rates and charge no fees.

female soldier and her husband use a banking app to check the state of their finances

Savings APYs remain high as the Federal Reserve holds interest rates steady.

A pink piggy bank being held by a robotic/animatronic hand.

Banks have been loudly touting their multi-billion-dollar investments in artificial intelligence as a breakthrough for consumers. CEOs speak at conferences about AI-powered personalization. Marketing departments [...]

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.

Woman appearing stressed when looking at financial documents

Americans are growing more pessimistic about their finances amid inflation and job worries.

One of the most ubiquitous signs in a bank is “Member FDIC.” Here’s what it means.

A one-year CD can be a safe and worthwhile option, especially turning to high-yielding online banks or credit unions.

A graph showing an upward trend from 2025 to 2026. The trendline is made of cash

If you have $10,000 to invest in a CD right now, here’s how much you could earn.

Illustration of cash under a beach umbrella

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

Depositing a check using a smartphone is easy and can save you a trip to the bank.

Here’s how to find the nearest ATM in MoneyPass’s fee-free ATM network.

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.

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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