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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

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?

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

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.

Here’s how young adults can live within their means while saving for the future.

Communal life on college campuses encourages sharing — but cars might be an exception.

Privacy concerns may prevent some drivers from adopting telematics programs.

A woman checks her investments on a laptop computer.

A good investment strategy minimizes your risks while optimizing your potential returns.

A 100 dollar bill hanging on a closeline

Americans don’t want to talk about money, but there can be drawbacks to staying quiet.

Gen Z can expect starting salaries of $65,000 or less — even with top-earning majors.

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

It’s never too early to shop for weatherproofing materials.

Here’s how to financially prepare for the possibility of sudden unemployment.

measuring the waistline of cash bills, comical

A spending diet can help you pursue your financial goals and save cash. Here’s how.

Piggy bank with doctors equipment. Cute and comical

A mid-year checkup is the most effective way to ensure my finances are on track.

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.

If you’re struggling to pay off debt and build savings, you’re not alone.

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.

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.

A house with water overflowing into the yard and driveway

How does extreme weather impact the rising costs of real estate and homeownership?

Illustrated collage featuring a house on a hill made of money

It’s a smart financial move. Here’s how to do it.

Illustrated graphic a woman holding a toddler. The toddler is 'boop'ing a mans nose.

The latest on American homeownership: who’s buying and who’s not.

Illustrated collage featuring a young adult holding an infaltn and using a smart device anchored to a wall

Here’s a look at the largest group of homebuyers today.

The pros and cons of relocating for retirement in today’s housing market.

Illustrated collage featuring a house with money pouring from the front door

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.

Illustration of a gift card wrapped in ribbon

More than 2 in 5 Americans have an unused gift card, gift voucher or store credit.

Woman paying for merchandise at store with credit card

Most interest rates are high right now, but retail cards boast extra high rates.

Young Black woman shopping and holding credit card

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.

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.

Frustrated woman working from home office

It’s not always clear how the economy is connected to your money — this is why.

Greg McBride's end of year financial checklist

Before the end of the year comes, try these tips to meet your financial goals.

A mom tending to children while also working on a laptop

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?

Two hands from two different people. One with thumbs up, one with thumbs down. A partially shredded dollar bill hangs in the background

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.