Bankrate data center
For decades, Bankrate's expert analysts have built a trusted reputation by prioritizing facts and experience over hype and hearsay. Our proprietary surveys, comprehensive data studies and daily rate data generate meaningful insights that empower millions of consumers to make informed financial decisions.
Informed insights, smarter choices
Using Bankrate's research
Our team of writers, experts and analysts conducts nationally representative surveys and uses editorially independent methodologies to provide valuable insights across a variety of financial products.
The resources on this page are accessible to traditional and online media, influencers and consumers. For questions, including requests for data or interviews with our analyst and experts, contact pr@bankrate.com.
Our trending data
Every week, Bankrate publishes multiple new data-driven surveys with up-to-date information. Covering topics from the Federal Reserve to homeownership to insurance and beyond, take a look at some of our latest published surveys.
Survey: Retail credit card interest rates are through the roof in 2024
Credit Cards
Most interest rates are high right now, but retail cards boast extra high rates.
Study: Americans’ pay hasn’t fully recovered from inflation. Will it ever?
Banking
Wages are on pace to fully recover from inflation by the second quarter of 2025.
Survey: 43% of Americans have at least one unused gift card
Credit Cards
More than 2 in 5 Americans have an unused gift card, gift voucher or store credit.
Featured Study
Bankrate’s 2024 Annual Emergency Savings Report
Many Americans have long struggled to build emergency savings. However, high inflation and interest rates, since the COVID-19 pandemic, have continued to make it difficult for people to feel comfortable with their level of savings.
Nearly 6 in 10 (59 percent) U.S. adults are uncomfortable with their level of emergency savings, according to a new Bankrate poll. Before 2022, the percentage had been rising, from 37 percent in 2018 to 44 percent in 2020, 48 percent in 2021 and 58 percent in 2022. This year, it’s barely budged from 57 percent in 2023.
Read the rest of the report here.
Current rate data and analysis
Bankrate provides the resources and expert insights you need to understand how the latest Fed decision is influencing borrowing and savings rates for key consumer products.
Mortgage rates
Current mortgage rate trends
HELOC rates
This week's HELOC news and analysis
Credit card rates
Current credit card interest rates
Auto loan rates
Current car loan interest rates
Savings rates
What is the average interest rate for savings accounts?
Informed commentary on topics that matter
Greg McBride, CFA
Chief financial analyst, Personal Finance
Inflation coming down doesn't mean prices are falling – they’re just not going up as fast. But high prices continue to strain household budgets and undermine consumer confidence.
The latest Bankrate studies
Today’s millennials are moving home in an attempt to save money and pay off debt.
A new Bankrate analysis shows mothers earned 31 percent less in wages than fathers in 2023.
If you’re struggling to pay off debt and build savings, you’re not alone.
Not all workers take their allotted PTO — that could cost them in the long run.
Former drinkers are re-evaluating their budgets and discretionary spending habits.
Gen Z is traveling more, and debt isn’t slowing them down
For the average single-family homeowner, ongoing yearly expenses have increased 26 percent since 2020, according to a new Bankrate study.
Why and how your home can be the foundation of your family’s fortune.
Rate cuts mark a new era for the Fed. Here’s what you should do as a consumer.
Make these three smart moves ahead of President-elect Donald Trump’s second term.
Every financial decision you make is impacted by the Federal Reserve.
Paying down debt is a top financial goal for Americans next year.
With Social Security funds projected to run out, Gen Xers are worried about their benefits.
Don’t let the fear of saving leave you in the dark. Avoid these 10 savings mistakes.
Financial taboos can lead to impulse spending and missed opportunities to build wealth.
A new Bankrate study reveals where infant care is the most and least affordable in the U.S.
Local zoning laws play a huge part in housing affordability nationwide — here’s how.
It boils down to whether investment returns outweigh the interest rates.
What’s the average home size in the U.S., and how has it evolved?
You can, but a lot depends on credit utilization. Here’s what that means and how it factors into getting a mortgage.
Is it a smart investment to buy a home near your child’s college campus?
It takes a bit of strategy. Here’s what you need to know, in seven handy tips.
Increases in home-insurance costs mean that HOA fees are on the rise as well.
The number of dangerous events is increasing each year. Here’s how to limit the literal and financial damage.
A new Bankrate survey shows Americans with a rewards credit card prefer cash back.
Inflation has many Americans trying to make their holiday shopping lists on a budget.
The holidays are almost here, have you considered how much to tip this year?
Keep an eye out for scams this holiday season.
Is social media to blame for holiday debt? Learn how to avoid its influence.
Here’s what you can expect to pay, on average, for air travel within the U.S.
People who are traveling for the holidays are making changes to save money.
Americans don’t want to talk about money, but there can be drawbacks to staying quiet.
Bankrate’s Greg McBride shares the money moves you should make before 2025.
Americans show curiosity about moving abroad post-election, despite many living paycheck to paycheck
Bankrate broke down how much it might cost to move to popular international locales.
New research suggests universal pre-K could be a financial game changer for parents.
Weeks before the election, most people feel pessimistic about where the economy is headed.
Financial stress is common during the holidays. These tips can help.
New Bankrate data shows the importance the economy will have on the 2024 election.
It’s not always clear how the economy is connected to your money — this is why.
Could RTO mandates threaten working mothers’ progress in the workforce?
Porch piracy is a rising trend in light of an uptick in online shopping.
Consider this about car insurance if you’re driving this holiday season.
Challenging a speeding ticket might help keep insurance rates down.
Communal life on college campuses encourages sharing — but cars might be an exception.
Privacy concerns may prevent some drivers from adopting telematics programs.
It’s never too early to shop for weatherproofing materials.
Bankrate’s Extreme Weather Survey: Who is financially ready for the next storm?
Georgia, Indiana and Louisiana have the highest hidden costs of car ownership.
Meet Bankrate's team of experts
See all Bankrate Editorial team
Greg McBride, CFA
Chief financial analyst, Personal Finance
Greg McBride, CFA, is the Chief Financial Analyst for Bankrate.com, leading a team responsible for researching financial products, providing analysis, and advice on personal finance to a vast consumer audience.
Mark Hamrick
Washington Bureau Chief, Senior Economic Analyst
Mark Hamrick is Washington Bureau Chief for Bankrate. He is a national award-winning business and financial news journalist.
Ted Rossman
Senior Industry Analyst, Credit cards
Ted Rossman is a senior industry analyst at Bankrate. He focuses on the credit card industry and helps consumers maximize rewards, get out of debt and improve their credit scores.
Sarah Foster
Principal U.S. Economy and Federal Reserve Reporter
Principal writer Sarah Foster covers the Federal Reserve, the U.S. economy and economic policy for Bankrate, where she helps readers understand how the world’s most powerful policymakers in Washington, D.C., impact their personal finances. She’s covered the Federal Reserve and U.S. economy since 2018, when she joined the economics news team at Bloomberg News.
James Royal, Ph.D.
Principal writer, Investing and wealth management
Bankrate principal writer and editor James F. Royal, Ph.D., covers investing and wealth management. His work has been cited by CNBC, the Washington Post, The New York Times and more.
Jeff Ostrowski
Principal writer, Home lending
Jeff Ostrowski covers mortgages and the housing market. Before joining Bankrate in 2020, he spent more than 20 years writing about real estate, business, the economy and politics.
Alex Gailey
Lead Data Reporter, Personal Finance
As a lead data reporter at Bankrate, Alex Gailey writes about the numbers behind consumer finance and economic trends.
Matthew Goldberg
Senior Consumer Banking Reporter
Matthew Goldberg is a consumer banking reporter at Bankrate where he uses his more than 14 years of financial services experience to help inform readers about their important personal finance decisions.
Shannon Martin
Writer, Insurance
Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
Hanneh Bareham
Writer, Personal Loans and Debt Relief
Hanneh Bareham, a Certified Financial Education Instructor℠, was a personal finance writer with Bankrate between 2020 and 2024.
Ana Staples
Lead writer, Credit cards
Ana Staples is a lead writer, credit cards for Bankrate and an expert on all things credit basics and personal finance for the younger generation.
Katie Kelton
Senior Writer, Credit Cards
Katie Kelton is the Senior Writer on Bankrate’s credit cards team, where she brings seven years of experience writing creative and financial content to help cardholders get savvy with their credit.
Linda Bell
Senior writer, Home lending
Linda Bell is a senior writer on Bankrate's Home Lending team, producing content around HELOCs, financing home renovations, home equity loans and more.
Brian Baker, CFA
Senior writer, Investing and Retirement
Brian Baker covers investing and retirement for Bankrate. He is a CFA Charterholder and previously worked in equity research at a buyside investment firm. Baker is passionate about helping people make sense of complicated financial topics so that they can better plan for their financial futures.
Brian Beers
Managing editor
Brian Beers is the managing editor for the Wealth team at Bankrate. He oversees editorial coverage of banking, investing, the economy and all things money.