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
As economy slow, mortgage rates retreat
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
While the worst of inflation may be over, the battle hasn’t yet been won.
A recession hasn’t happened yet, but it’s likely still coming, economists say.
Economists are taking the Fed at its word, penciling in more rate hikes.
63% of Americans plan to travel this year — what are your budget travel tips?
37% of lower-income people have no savings, unchanged from when inflation was highest.
A growing Southern hub for tech, the Austin metropolitan area took the top spot.
It’s easier than ever to create a portfolio that’s well-diversified.
Would you do your side hustle full-time? Younger adults want to make the switch.
Here’s how young adults can live within their means while saving for the future.
A good investment strategy minimizes your risks while optimizing your potential returns.
Six Bankrate experts share the career moves that let them get ahead financially.
Rate cuts mark a new era for the Fed. Here’s what you should do as a consumer.
Every financial decision you make is impacted by the Federal Reserve.
Americans still have a ways to go to fully recover their purchasing power.
Wages are on pace to fully recover from inflation by the second quarter of 2025.
Americans’ median net worth is $192,900, but many won’t reach that until at age 45.
Here’s what to consider before paring down your home.
It can add some extra glitter to those golden years. But there are pitfalls to using it too.
How does extreme weather impact the rising costs of real estate and homeownership?
It’s a smart financial move. Here’s how to do it.
The latest on American homeownership: who’s buying and who’s not.
Here’s a look at the largest group of homebuyers today.
The pros and cons of relocating for retirement in today’s housing market.
For one thing, you could lose your home if things go south.
Americans don’t want to talk about money, but there can be drawbacks to staying quiet.
The cost of being an NFL fan can be in the thousands if you support popular teams.
More than 2 in 5 Americans have an unused gift card, gift voucher or store credit.
Most interest rates are high right now, but retail cards boast extra high rates.
Let’s say you’re walking through the mall during the holiday season and pass 10 shoppers. New Bankrate data shows that about three of those holiday shoppers (33 percent) plan to spend less on holiday [...]
Drivers in Indiana, Wyoming and Missouri spend the most on gas per year.
After years of high inflation, back-to-school shoppers are still worried about prices.
Middle-income households are most likely to say inflation will change how they shop.
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.
Before the end of the year comes, try these tips to meet your financial goals.
Could RTO mandates threaten working mothers’ progress in the workforce?
What would it take for you to give up remote work to go into the office?
How have your finances changed since 2020? Half of U.S. adults now feel worse off.
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.
From pet insurance costs to tons of treats, owning a pet can be costly.
Over the past sweltering summer, 72% of Americans had higher electric bills.
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 13 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 a 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.