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 01/15/2026. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.84^%_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

Image by Getty Images, Illustration by Bankrate

Recession risks are rising. Learn six smart savings strategies to protect your money before it hits.

Learn six practical ways to safeguard your finances amid economic uncertainty, from strengthening banking security to finding better rates.

High-yield savings accounts remain a strong option for savers…for now.

Big banks pay just 0.01% APY while online banks offer 4.4%. Your $10,000 could earn $897 more over two years. Learn how to switch without changing banks.

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Here’s a guide to saving $10,000 in one year to make yourself more financially secure.

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Bankrate recaps the week in savings accounts and analyzes where rates are headed.

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

Financial markets may drop lower, but APYs on high-yield savings remain high.

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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.

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.

Certificates of deposit offer peace of mind, but they’re not without some drawbacks.

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

Here’s everything you need to know about savings accounts.

Illustration of Fed Chair Jerome Powell with a now hiring sign in the background.

The U.S. may dodge a recession, but experts aren’t denying it: Something feels off.

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A bank may deny you a checking account. Here is what you can do next.

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Opening a money market account involves just a few simple steps and it can really pay off.

In 2024, three Federal Reserve rate cuts spurred declining yields on many deposit accounts, although savers were able to benefit from locking in strong yields on certificates of deposit (CDs). While the [...]

Expect yields to continue trending downward in 2026.

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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