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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

BANKRATE EXPERT FAQ

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

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Over 1 in 3 people tapped emergency savings in the past year, per a new Bankrate survey.

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Over 1 in 3 people tapped emergency savings in the past year, per a new Bankrate survey.

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

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The stock market is the top long-term place to invest for American investors, though real estate also made a strong showing in this year’s survey, coming in second place.

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Here’s how an advisor can help you make smart choices with Social Security.

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

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

Aspiring homebuyers need an annual household income of nearly $117,000 to afford the typical home in the U.S., according to a new Bankrate study.

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When will mortgage rates drop? Should I wait to buy a house until they do?

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Use your home to fix your home: a smart move, if you bear the risks in mind.

It boils down to whether investment returns outweigh the interest rates.

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Get into a home sooner with these tips.

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Living paycheck to paycheck makes it that much harder to save for a home. Here are tips to help overcome a tight budget.

Saving for a down payment while also paying rent is challenging.

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Times are tough for homebuyers, but first-generation buyers face even steeper hurdles.

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Learn how good debt can help you invest in an asset and gain value over time.

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Americans might be going into credit card debt to keep up appearances.

A new Bankrate survey finds the average side hustler makes nearly $900 per month.

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Tipping rules are sometimes confusing, but these tips can help show appreciation.

Not all workers take their allotted PTO — that could cost them in the long run.

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Gen Z is traveling more, and debt isn’t slowing them down

Americans have negative feelings about tipping — that it’s gotten out of control.

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Almost half of Americans are in debt. Is doom spending to blame?

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A new Bankrate survey shows how our childhood influences our money habits.

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

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

The costs of luxury vehicle ownership don’t end after you sign on the dotted line.

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

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Consider this about car insurance if you’re driving this holiday season.

Challenging a speeding ticket might help keep insurance rates down.

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 U.S. Economy Reporter And Analyst

Reporter and analyst 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 Writer and Housing Market Analyst

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 Principal Data Reporter, Personal Finance

As a principal 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 Bankrate Insurance Expert | 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 Principal Writer, Credit cards

Ana Staples is a principal 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.