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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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Latest articles

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
A music CD underneath a piggy bank

CD rates forecast for 2026: APYs will trend lower but still beat inflation

You can find a CD account that significantly out-earns the national average if you shop around among banks.
Jan 06, 2026

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
Federal Reserve Chairman Jerome Powell speaks at a press conference

Fed holds rates near zero as presidential election results remain uncertain

The Fed will continue to stay on the sidelines when it comes to rates.
Nov 05, 2020
A women wearing a facemask talks on the phone while crossing the street

Survey: Top economists see unemployment rate holding above pre-pandemic levels into 2021

While economists were more optimistic, they weren’t without doubts about the risks to the outlook.
Oct 01, 2020
The rotunda on Capitol Hill

The budget deficit, explained — and how to prepare for a rising tax burden down the road

The financial practice of spending less than you make doesn’t apply to the federal government.
Sep 18, 2020
A framing art gallery is closed in Venice Beach, California, during the coronavirus pandemic.

When will the U.S. economy get back on track following coronavirus shock? Watch for these 5 signs

The return to normalcy could happen later — rather than sooner. 
Sep 15, 2020
Two people under umbrella using tablet

How to protect your money from rate decreases with a CD

The Fed’s recent actions may force savers to start thinking differently about their money.
Sep 14, 2020
Envelopes

Ask Bankrate: How can savers stay ahead of inflation?

A reader asks how people living on fixed income can beat inflation.
Sep 11, 2020
A person wears a protective face mask outside a GNC store.

Why the coronavirus crisis could cause a double-dip recession — and how to prepare for one

Some forecasts suggest a resurgence in coronavirus cases could tip the financial system over again. 
Sep 10, 2020
Employees hadn out unemployment applications to people in their vehicles

8 ways to help rescue the job market from coronavirus-driven unemployment crisis

Ending the crisis depends largely on eradicating the virus and the economic problems it opened up.
Sep 04, 2020
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