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Recommended reading

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
banking apps displayed on an iiphone

These are the most popular banks in each state in 2026

Can you guess which bank has the most branches in your state?
Mar 05, 2026
volunteers at a community event

How to choose a bank aligned with your values: A comprehensive guide

There are banks aligned with political values, faith and causes. Here’s how to choose.
Mar 05, 2026

What is a cashier’s check? Definitions, uses, how to buy one, cost and alternatives

This old-school way of paying is still in demand. Here’s everything you need to know.
Mar 05, 2026
A family sits together at a kitchen table.

7 best ways to send money

Transfer funds to friends and family without leaving the house.
Mar 05, 2026
Santa Barbara beach with palm trees and city skyline at sunset, California, USA

Best banks in California in 2026

California is a large state, and so is your list of banking options in the Golden State. Truth is, there’s no one “best” bank — the best option is the one that fits your specific needs. But we’ve [...]
Mar 05, 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
A woman shops for groceries

When is the next recession? Here’s what economists are saying

It might not be here yet, but a recession could be coming.
Aug 22, 2022
Illustration of shopper with cell phone

Americans are making regretted impulse buys on social media — why it’s a challenging time with surging inflation

Some purchases could cost you hundreds more today than a year ago.
Aug 15, 2022
Federal Reserve Chair Jerome Powell speaks at the June post-meeting press conference

Fed raises rates by three-quarters of a point for second straight meeting

The Fed hasn’t raised rates this much in a single year since 1994.
Jul 27, 2022
A customer shops at a grocery store.

Survey: Has inflation peaked? Here’s what the nation’s top economists say

Americans are desperately waiting for some relief from inflation.
Jul 05, 2022
Illustration of person at a kitchen table frustrated over finances

Red-hot inflation is raising prices on everyday essentials — here’s what’s rising the most

Americans are finding it impossible to avoid inflation.
Jul 05, 2022
Federal Reserve Chair Jerome Powell speaks at press conference

Survey: There’s a 52% chance of an upcoming recession, say top economists

The majority put the economy’s recession chances at 50 percent or more.
Jul 01, 2022
A customer holds a fuel nozzle at a Shell gas station in California

Are we in a recession? It sure feels like it to many Americans

High inflation has a financial toll similar to job loss.
Jun 28, 2022
Federal Reserve Jerome Powell gives a post-meeting press conference

Fed hikes interest rates by three-quarters of a point to combat decades-high inflation

The Fed’s move is the biggest increase since 1994 and undoubtedly raises the risks of a recession.
Jun 15, 2022
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