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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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Principal U.S. Economy Reporter

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Latest articles

For Rent sign taped on gated storefront, Queens, New York

Sorry, we’re closed: The inside story of COVID-crushed small businesses and their comeback hopes

The only thing harder than shutting down the world’s largest economy is bringing it all back to life.
Aug 17, 2021
Federal Reserve Chairman Jerome Powell speaks to reporters at a press conference.

Fed keeps rates at near-zero, says economy has made progress

As the economy rebounds, don’t expect the Fed’s extraordinary support to last forever.
Jul 28, 2021
A man pushes his bags on the departures level at Los Angeles International Airport while wearing a mask.

The COVID recession is officially over. Here’s why experts say that doesn’t matter

The worst downturn in a lifetime was also the shortest.
Jul 19, 2021
Friends laugh while gathered at a table eating a meal and socialization.

Survey: Top economists say U.S. economy won’t be fully recovered from pandemic 12 months from now

Here’s where the nation’s top economists see hiring, the Fed and inflation heading over the next year.
Jun 29, 2021
Federal Reserve Chairman Jerome Powell speaks at press conference

Fed holds interest rates near zero, sees two rate hikes in 2023

Higher inflation and a troubled labor market could be the Fed’s nightmare scenario.
Jun 16, 2021
A shopper wearing a protective face mask fills a grocery cart with bottled water at a supermarket.

Should you be worried about inflation? Here’s what the experts are saying

Higher inflation is here, but the big question is whether it’s here to stay or not.
May 27, 2021
Woman working on her laptop from home

Facing long-term joblessness? Try these 7 things if you’re struggling to find work

The longer an individual is out of a job, the more likely they are to lose skills, face discrimination from employers and see lower wages.
May 18, 2021
Federal Reserve Chairman Jerome Powell speaks at a press conference after an FOMC meeting.

Fed sticks with zero interest rates, even as inflation concerns mount

The Fed’s patience could be challenged as the U.S. economy comes roaring back to life.
Apr 28, 2021
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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
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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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