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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 February 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

A usually busy Main Street in Livingston , Montana

Is the U.S. economy in a recession or depression? Here’s what top economists say

A deep, prolonged downturn separates the inevitable recession from its uglier counterpart, the depression.
Jun 12, 2020
Federal Reserve Chairman Jerome Powell at post-FOMC meeting press conference

Fed signals near-zero rates here to stay through at least 2022

With the U.S. economy facing a sharp recession, rock-bottom rates are expected to continue.
Jun 10, 2020

Forecast survey: Fed seen as keeping rates at rock bottom through yield-curve control

The Fed will turn to new tactics that include capping yields and expanding its balance sheet.
Jun 05, 2020
Federal Reserve Chairman Jerome Powell

Preview of the Fed meeting: 4 big questions facing the Federal Reserve post-coronavirus

The financial and economic hardship is far from over.
Jun 05, 2020
Consumer grabbing water bottle with mask during coronavirus

Survey: Majority of Americans believe it’s too soon to reopen local businesses after coronavirus

Americans remain cautious about making in-person trips to businesses.
May 18, 2020
Customers walk past a Chase Bank branch.

List of banks offering help to customers impacted by the coronavirus

Find out who’s waiving fees and helping families facing a financial hardship from the COVID-19 outbreak.
May 14, 2020
A picture of the coronavirus on a blue background

Survey: Nearly one-third of Americans dealing with lower income due to coronavirus outbreak

Half of those same households report having taken on more debt.
May 13, 2020
A sign stating that job placement program is closed during coronavirus pandemic.

The unemployment rate, explained – and why the coronavirus crisis has caused it to skyrocket

Joblessness has surged to catastrophic levels not seen for nearly a century.
May 08, 2020

Bankrate’s 2026 Annual Emergency Savings Report

A majority (81%) of Americans did not increase their emergency savings this year
Feb 04, 2026
Woman watering plants.

Current CD rates for January 2026

Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Jan 31, 2026

How to save money: 14 easy tips

Here’s how to boost your savings.
Jan 31, 2026
Person frowning at a laptop screen with illustration of money in background

Here’s when an early withdrawal from a CD is worth it

Sometimes paying an early withdrawal penalty on a CD isn’t a bad idea.
Jan 28, 2026
Closeup of someone counting money

NCUA: What it is and how it keeps your credit union deposits safe

The National Credit Union Administration is similar to the FDIC, which covers banks.
Jan 28, 2026
Illustration of an old-fashioned alarm bell ringing , hovering over a cell phone.

9 mobile banking alerts you should turn on right now

Mobile apps make managing your money a snap and mobile alerts can help protect it.
Jan 28, 2026
Person imagining a piggy bank made out of cash.

How to open a savings account: 5 steps to take

Ready to open a savings account? Here’s what you’ll need to know.
Jan 28, 2026
Photo of Fed Chair Jerome Powell at a podium, holding his hands up.

The Fed just held rates steady. Should I lock in a CD right now?

The Federal Reserve left interest rates unchanged at its first meeting of 2026, keeping borrowing costs in a target range of 3.5-3.75%. This decision (supported by a 10-2 vote) pauses a streak of three [...]
Jan 28, 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
US-ECONOMY-FEDERAL RESERVE-RATE-POWELL

How the Federal Reserve affects business loans

The Fed’s rate hold means loans costs are sticking. Here’s what it means for your business.
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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