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?
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
Nearly 6 in 10 holiday shoppers (59%) are likely to shop on Small Business Saturday.
As inflation soars, most Americans say the economy has harmed their quality of life.
Americans aren’t reaping the benefits of the fastest wage growth in decades.
In all, 29 percent said real estate was their top pick for investing money for 10 or more years.
More U.S. adults have seen household savings decline than rise in the past year.
As the cost of everyday goods continues to rise, many Americans are feeling increased financial pressure and are less likely to spend big on celebrations like weddings.
A rocky start for stocks has U.S. investors cautious about investing more in 2022.
Most Americans report paying more for essentials like gas and groceries.
Over 1 in 3 people tapped emergency savings in the past year, per a new Bankrate survey.
The gender pay gap impacts all women, but not in the same way.
On average, Americans have kept the same bank accounts for over a decade.
That $100K salary goes a lot further in some metros than others. Here’s why.
Paying down debt is a top financial goal for Americans next year.
That’s even as the latest data shows that wages are rising faster than prices.
With Social Security funds projected to run out, Gen Xers are worried about their benefits.
Despite inflation and expenses, there are ways to increase your emergency savings.
Homeownership is still very much a symbol of the American Dream.
It can be a smart strategy, provided you understand what you’re risking.
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.
Along with strategies to stay solvent during your redo.
Nationwide, the typical home costs nearly 37 percent more to buy than to rent on a monthly basis.
This is the salary you’ll need to afford a typical home in your state.
Is it worth using retirement savings to fund a down payment on a home?
More than half of aspiring homeowners in a new Bankrate survey say cost of living and low incomes prevent them from saving for a down payment and closing costs.
Nearly half of credit cardholders carry debt — and many have been in that debt for years.
Overspending for points or cash becomes futile when interest charges kick in.
Rate cuts from the Fed usually help borrowers. They aren’t right now.
Many Americans keep financial secrets like hidden expenses or debt.
48 percent of cardholders are in debt, down slightly from earlier this year.
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?
People who are traveling for the holidays are making changes to save money.
A new Bankrate survey shows how our childhood influences our money habits.
Middle-income Americans often don’t feel financially secure, despite their salaries.
Weeks before the election, most people feel pessimistic about where the economy is headed.
How have your finances changed since 2020? Half of U.S. adults now feel worse off.
People are impulsively spending hundreds on products seen on social media.
What would you change for the chance to work remote, hybrid, or for a shorter week?
Checked your drawers recently? 47% of Americans have unused gift cards.
Bankrate polling shows 21 percent of Americans regret not saving for retirement early enough.
Extreme weather is impacting our finances in unexpected ways.
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
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
Writer and Credit Cards Expert
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.