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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

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Principal U.S. Economy Reporter

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Senior Economic Analyst

Latest articles

President Donald Trump meets with U.S. tech workers

Trump’s $400 weekly unemployment boost: When does it start and who would get it?

Here’s a breakdown of the president’s unemployment benefit plan.
Aug 12, 2020
Federal Reserve Chairman Jerome Powell

Fed leaves rates alone, says economy will ‘depend significantly on the course of the virus’

It’s unlikely that the financial and economic calamity will be reversed anytime soon.
Jul 29, 2020
Fed chair Jerome Powell in blue

Preview of the Fed meeting: 4 big questions in the economic battle vs. coronavirus

Today the economy sits at a critical juncture, having rebounding quickly from some of the worst of the crisis.
Jul 24, 2020
Judy Shelton

Trump’s controversial Fed pick Shelton moves one step closer to board

Some experts fear Shelton could shake up the U.S. central bank.
Jul 21, 2020
Photo by Yuji Sakai of Getty Images

What is economic stimulus and how does it work?

With all the talk around economic stimulus, here’s how it works and why it’s used.
Jul 16, 2020
Eagle statue on the Fed's Eccles building

What is the Federal Reserve’s Beige Book?

Fed officials care about more than just economic data.
Jul 10, 2020
Photo illustration of workers in an office

Survey: Nearly half of U.S. households have had incomes cut during coronavirus pandemic

The most common impacts include layoffs, furloughs and a reduction in hours or pay.
Jul 09, 2020
Freshly printed $20 bills are inspected at the Bureau of Engraving and Printing

Negative interest rates, explained — and how they work

Would you really get paid to take out a loan?
Jul 03, 2020
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
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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