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Bankrate’s 2026 Annual Emergency Savings Report

Banking
A majority (81%) of Americans did not increase their emergency savings this year
By Karen Bennett
10 min read
Woman watering plants.

Current CD rates for March 2026

Banking
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
By Karen Bennett
3 min read
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.

Savings and money market account rates forecast for 2026: Rates will continue to slide but remain ahead of inflation

Banking
Expect yields to continue trending downward in 2026.
By Karen Bennett
4 min read

Exclusive insights from our expert analysts

“It will be another year where the highest-yielding savings accounts, money markets and CDs outpace inflation while the averages — and the offerings at most banks — fall well short.”

– Greg McBride, CFA

CD rates forecast for 2025: Top yields will decline, yet they’ll outpace inflation

The year 2024 came to a close with yields having declined on many certificates of deposit (CDs), spurred by three Federal Reserve rate cuts, although savers were still able to benefit from locking in strong yields. Even if yields on competitive deposit accounts decrease further in 2025, they’re still expected to outpace inflation.
Read more

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Latest articles

Smiling father holds smiling daughter on his lap while looking at a computer

Experian launches savings account for its members

Experian’s new savings account has a yield based on membership tier and no minimum deposit.
Feb 13, 2026

Bankrate’s 2026 Annual Emergency Savings Report

A majority (81%) of Americans did not increase their emergency savings this year
Feb 04, 2026
Jerome Powell, chairman of the US Federal Reserve, during a news conference following a Federal Open Market Committee (FOMC) meeting in Washington, DC.

The Fed didn’t cut interest rates. Here are 5 things to watch next.

The big question: How long will the Fed be on hold?
Jan 28, 2026
Federal Reserve Eccles Building illustration

Fed’s interest rate history: The federal funds rate from 1981 to the present

Bankrate analyzed the Fed’s historic rate moves for clues on what might come next.
Jan 28, 2026
Illustration of a US Federal Reserve ink stamp

6 key ways the Federal Reserve impacts your money

Every financial decision you make is impacted by the Federal Reserve.
Jan 26, 2026
Jerome Powell in front of interest rate graphic

How many rate cuts in 2026? These mounting pressures will put the Fed at a crossroads this year 

A complicated U.S. economy. Stubborn inflation and a jobless boom. Unprecedented conflict with the president. Personnel changes, and a new Fed chair. Federal Reserve officials are no stranger to difficult [...]
Jan 26, 2026
Illustration of Fed Chair Jerome Powell with a now hiring sign in the background.

From AI bubble fears to the job market’s ‘Great Freeze’: Economists answer your biggest questions about 2026

The U.S. may dodge a recession, but experts aren’t denying it: Something feels off.
Jan 12, 2026
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.

Savings and money market account rates forecast for 2026: Rates will continue to slide but remain ahead of inflation

Expect yields to continue trending downward in 2026.
Jan 06, 2026
A young man uses an ATM.

How much are ATM fees?

Over time, ATM fees have climbed. Here’s what you need to know.
Mar 04, 2026
A little girl gets a vaccination.

Health savings account pros and cons

Setting aside pretax dollars in an HSA can help you defray future medical costs.
Mar 04, 2026
Young Woman Checking Her Finances At Home

Where is the account number and routing number on a check?

Finding the account number on a check is easy — if you know where to look.
Mar 04, 2026
close up of hands signing a check

How to write a check: A step-by-step guide

Checks aren’t as ubiquitous as they once were, but you may still have to write one.
Mar 04, 2026
Woman online banking with a tablet

Regulation D and savings account withdrawal limits – here’s what changed

How Reg. D impacts your savings account and why it pays to check with your bank.
Mar 04, 2026
woman holding a child and working online at home

How non-US citizens can open a bank account

Being able to open a checking and savings account can help build financial security.
Mar 04, 2026
man using an atm

Automated teller machine (ATM): What it is and how to use one

ATMs are useful for depositing money, checking your balance, and more, but be aware of possible issues that may arise.
Mar 03, 2026
Illustration of cash under a beach umbrella

Here’s how much $10,000 in a high-yield savings account could earn you in 1 year

Here’s how much $10,000 in a high-yield savings account can earn you.
Mar 03, 2026
Federal Reserve Chair Jerome Powell holds a news conference after a Federal Open Market Committee meeting in Washington, DC, on Jan. 31

Fed remains on hold, keeps forecast for three rate cuts in 2024

How will the Fed juggle hotter inflation with a rising unemployment rate?
Mar 20, 2024
Illustration of Chair Jerome Powell in front of the podium at a post-meeting press conference

What is the Federal Reserve? A guide to the world’s most powerful central bank

The Fed plays a role in influencing every financial decision you make.
Mar 20, 2024
Woman carrying a box into a room

Single women homebuyer statistics and tips 2024

The share of single women homebuyers continues to outpace the share of single men in the housing market.
Mar 08, 2024
Man blocking face by holding a stop sign in front of himself

Denied and distressed: Half of applicants have been turned down for a loan or financial product since the Fed began raising rates

Americans’ credit woes might not turn around until the Fed eventually cuts rates.
Mar 04, 2024
Members of the Federal Reserve Board of Governors stand with Fed Chair Jerome Powell after he was sworn in for his second term.

The Federal Reserve’s board of governors, explained — who’s on it and what they do

The Fed’s board has a powerful influence over interest rates and monetary policy.
Jan 30, 2024
couple stressing about the rise of interest rates

When will personal loan interest rates start dropping?

The Federal Reserve has finally shown the signs of a rate plateau. However, interest rates are still breaking records, and it’s not a given that personal loan rates will fall anytime soon. While the [...]
Jan 09, 2024

Survey: Economists split on whether Fed will cut rates in first or second half of 2024

Will falling inflation make the Fed in a hurry to cut rates?
Jan 03, 2024

Survey: Inflation is slowing fast but still might not hit the Fed’s target until 2025

Inflation slowed much faster than expected last year, but economists are still wary.
Jan 03, 2024
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