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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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Bankrate Financial Analyst

Sarah Foster

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Principal U.S. Economy Reporter

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Senior Economic Analyst

Latest articles

A woman stands beside a gas pump at a gas station in Los Angeles, California

Survey: Experts predict another year of decades-high inflation

Price increases depend on supply chain and labor shortages.
Jan 06, 2022
Couple works on bills

Survey: 2 in 3 see no boost in personal finances in 2022

U.S. consumers see inflation as the biggest threat to improving personal finances.
Dec 20, 2021
Federal Reserve Chair Jerome Powell speaks beside President Joe Biden after he was nominated for a second term

Fed sees three rate hikes in 2022 and speeds up its taper of bond purchases

Soaring inflation is making it hard for the Fed to justify its aggressive policies.
Dec 15, 2021
Two people are in front of a Capital One Bank.

Capital One eliminates overdraft fees

Capital One Bank will no longer charge overdraft fees starting in early 2022.
Dec 01, 2021
Cashier and customer wear face masks at a store during the pandemic

Worried about your finances and job security beyond the pandemic? Here’s 7 steps to take

More than 3 in 5 Americans are worried about their incomes over the next six months.
Nov 29, 2021
Fed Chair Powell testifies before the Senate Banking Committee

Biden picks Jerome Powell for new term as Federal Reserve chair

The appointment gives Powell the chance to finish the U.S. central bank’s pandemic response.
Nov 22, 2021
Chef delivers food to a table outside during the pandemic.

The Great Resignation: Why millions of workers are leaving their jobs and what to consider before quitting

A game of hiring musical chairs is afoot — and it doesn’t look like it’ll be stopping anytime soon.
Nov 17, 2021
Federal Reserve Chair Jerome Powell speaks at a post-Federal Open Market Committee press conference

Fed will begin tapering bond-buying stimulus, rates remain at near-zero

The Fed’s decision is a vote of confidence about the economy.
Nov 03, 2021
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
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

How does the Federal Reserve affect mortgages?

The Federal Reserve’s decisions have ripple effects, including for mortgages.
Jan 29, 2026

How the Federal Reserve affects HELOCs and home equity loans

If you’re looking at HE loans or have a variable-rate line of credit, pay attention to the Fed.
Jan 29, 2026
A Black couple talk to a salesperson at a car dealership.

When will car interest rates start dropping?

Auto rates will likely not decrease this year. Consider how to still save.
Jan 29, 2026
Exterior of Federal Reserve building

How does the Fed interest rate affect car loans?

Does the Fed interest rate affect car loans? Yes, it does: It has a domino effect that can raise or lower auto loan rates.
Jan 29, 2026
Outside of the Federal Reserve building

How the Federal Reserve impacts personal loans

The Federal Reserve held rates steady at its January 2026 meeting.
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
U.S. Federal Reserve Chairman Jerome Powell delivers remarks at a news conference.

How the Fed impacts stocks, bonds, crypto and other investments

The best way for investors to deal with the Fed’s interest rate changes? Focus on your long-term investment plan.
Jan 28, 2026
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