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.

Woman working with business document and laptop on the table

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

Close up of someone hands holding and counting American dollar banknotes in her hand

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

TRY THIS

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 01/14/2026. "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

The savings account has always been a time-tested standby. Here’s why it still matters.

Illustration of Capitol Hill rotunda and coronavirus stimulus checks

Most plan to spend their stimulus funds on necessities, not on shopping, dining or traveling.

Woman voting in a face mask at the polls

In this election, many young voters remain unsure about at least one key issue.

Here’s how to optimize your saving strategy in a tough economy.

A picture of the coronavirus on a blue background

Half of those same households report having taken on more debt.

A woman looking at Ally Bank's new savings tools.

Here’s what the online bank is offering to help customers boost their savings and meet financial goals.

Dad and son doing dishes in kitchen | Hero Images/Getty Images

A new Bankrate survey also finds 1 in 4 Americans is open to buying a home in 2017.

In case of emergency, break emergency savings fund | Creative RF/Getty Images

1 in 4 Americans has no savings, our survey finds. Here’s how stashed cash can help.

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.

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.

Person folds his hands in front of their face

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

Young Man Sitting On Wheelchair Using Laptop

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.

Limited spots available

Help us shape the future of personal finance

We’re building something new to make rate shopping smarter and simpler. Join our waitlist to get early access, share your feedback, and unlock exclusive offers.

Priority rate alerts

Exclusive member offers

Time saving

Email address

Please provide a valid email address

Limited spots remaining

The trusted provider of accurate rates and financial information

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