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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.

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?

CD rates

This week's outlook for CD interest rates

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

Learn more about the small business tax deductions that may be available to you.

A couple sitting at a desk looking at financial documents with a design element behind them

Three experts share the best ways to start a money conversation with your partner.

Design element of a fire alarm that says break glass in case of emergency with stacks of cash inside

Financing could add hundreds to the cost of an emergency, depending on the type.

Fed Chair Jerome Powell speaks during a Senate Banking, Housing, and Urban Affairs Committee hearing.

The Fed’s rate cuts might be on pause. Here’s what you should do as a consumer.

Design element of steps with a flag at the top

Here are 5 ways to grow your nest egg and turn your investing goals into a reality.

Illustration of a US Federal Reserve ink stamp

Every financial decision you make is impacted by the Federal Reserve.

2 people sitting on a couch having a conversation

Many Americans keep financial secrets like hidden expenses or debt.

A young entrepreneur in a striped apron uses his phone to take pictures of his pottery for social media.

Social media helps small businesses reach potential customers, build brand awareness and understand customer needs.

Woman working from home with a child in the background

A new Bankrate analysis shows mothers earned 31 percent less in wages than fathers in 2023.

Former drinkers are re-evaluating their budgets and discretionary spending habits.

A young woman talking to a financial therapist

If you want to untangle your feelings on money, consider a financial therapist.

Two young woman looking at at some paper documents and comparing it against something on a cell phone

Many Gen Zers and millennials are relying financially on their parents.

Two young adults have a conversation about something on a cellphone

Parents’ financial tips aren’t always relevant today, but TikTok might not be better.

Woman and man standing back to back, spare coins on the side of the woman and large value bills on the side of the man

The gender pay gap impacts all women, but not in the same way.

Woman on laptop with salmon-colored background

Here’s why financial literacy is important for women and how they can attain it.

And elderly couple discussing HYSA options

Two-thirds of American savers say they’re earning rates below 4% APY. Here’s why.

Some key facts and figures everyone who has a house should know.

Feeling the home affordability crunch? Condos can make you a homeowner for less.

construction worker reading blueprints with red slash through large home under construction

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?

A house sitting atop a stack of credit cards

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?

Illustrated collage featuring a family sitting together on a couch

It takes a bit of strategy. Here’s what you need to know, in seven handy tips.

Many Americans keep financial secrets like hidden expenses or debt.

hand holding a credit card, sirens in the background

Nearly half of credit cardholders carry debt — and many have been in that debt for years.

Design element displaying credit cards being cut up with a pair of scissors.

48 percent of cardholders are in debt, down slightly from earlier this year.

Person paying with a credit card through a handheld terminal

A new Bankrate survey shows Americans with a rewards credit card prefer cash back.

Design element consisting of a cell phone and holiday gifts in the background

Inflation has many Americans trying to make their holiday shopping lists on a budget.

Evergreen wreath around a tip jar full of money

The holidays are almost here, have you considered how much to tip this year?

A woman and child in holiday attire look at a computer while holding a credit card.

Keep an eye out for scams this holiday season.

Woman smiling while looking at her phone

Is social media to blame for holiday debt? Learn how to avoid its influence.

Three experts share the best ways to start a money conversation with your partner.

Person standing on front porch while holding a broom

Middle-income Americans often don’t feel financially secure, despite their salaries.

Bankrate’s Greg McBride shares the money moves you should make before 2025.

Two business people walking on downtown street. Blurred motion effect.

Bankrate broke down how much it might cost to move to popular international locales.

Line of pre-school children crossing street with teacher.

New research suggests universal pre-K could be a financial game changer for parents.

Images of Vice President Kamala Harris and presidential candidate Donald Trump

Weeks before the election, most people feel pessimistic about where the economy is headed.

Young woman reading a tablet in a holiday decorated living room

Financial stress is common during the holidays. These tips can help.

American flag, but the lines are separating into some sort of bar graph

New Bankrate data shows the importance the economy will have on the 2024 election.

A pile of packages unattended in front of a door with a wreathe on it.

Porch piracy is a rising trend in light of an uptick in online shopping.

A child catching snowflakes from inside of a car

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.

A partially-submerged house against a gray sky after a major storm and flooding

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 eight 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.