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Since 1976, Bankrate has been the go-to source for personal finance data: trusted by journalists, researchers and consumers alike. By combining rate tracking insights across decades with consumer sentiment from our proprietary surveys, we’ve provided 360-views of financial trends for more than 40 years.

Explore historical rate insights across financial products

For decades, our exclusive Bankrate Monitor (BRM) National Index has provided Bankrate experts and media direct access to rate averages.

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Showing 4 of 9 results

Certificates of Deposit APY Line chart

Last updated: Apr 23, 2025

Deposits
Fixed mortgage rate Line chart

Last updated: Apr 23, 2025

Home lending
Credit card APR Line chart

Last updated: Apr 23, 2025

Consumer lending
Home equity line of credit (HELOC) rate Line chart

Last updated: Apr 23, 2025

Home lending
Auto loan rate Line chart

Last updated: Apr 23, 2025

Consumer lending
Savings account APY Line chart

Last updated: Apr 23, 2025

Deposits
Adjustable rate mortgage (ARM) rate Line chart

Last updated: Apr 23, 2025

Home lending
Unsecured personal loan rate Line chart

Last updated: Apr 23, 2025

Consumer lending
Interest checking account APY Line chart

Last updated: Apr 23, 2025

Deposits

Keep tabs on consumer sentiment changes with survey data

Discover changes in how people view key economic measures, including their own finances, through Bankrate’s detailed survey data.

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Showing 4 of 10 results

How long would your emergency savings last?
Surveying U.S. adults since 2011
Line chart

Last updated: May 17, 2024

Emergency savings
How would you pay for a $1,000 unplanned expense?
Surveying U.S. adults since 2018
Line chart

Last updated: Dec 6, 2024

Emergency savings
Do you have more credit card debt or emergency savings?
Surveying U.S. adults since 2011
Line chart

Last updated: Jan 3, 2025

Credit card debt
What is your biggest financial priority?
Surveying U.S. adults since 2018
Line chart

Last updated: Jan 3, 2025

Personal finance
How long have you carried a credit card balance?
Surveying U.S. adults since 2019
Line chart

Last updated: Nov 13, 2024

Credit card debt
How do you prefer to invest your money?
Surveying U.S. adults since 2013
Line chart

Last updated: Jan 17, 2025

Investing
What is your personal finance outlook this year?
Surveying U.S. adults since 2018
Line chart

Last updated: Nov 6, 2024

Personal finance
What are your financial goals?
Surveying U.S. adults since 2018
Line chart

Last updated: Nov 6, 2024

Personal finance
How do you define the American dream?
Surveying U.S. adults since 2021
Line chart

Last updated: Mar 4, 2025

Homeownership
What's holding you back from homeownership?
Surveying U.S. adults since 2021
Line chart

Last updated: Mar 4, 2025

Homeownership

The latest Bankrate data studies by category

coworkers discussing during meeting in office

Young Americans remain optimistic on retirement, try to avoid fate of older generations

With smart planning, young Americans can vastly improve their financial security.
Oct 19, 2023
Mother and child looking at outdoor holiday decorations

Survey: 77% of holiday travelers are adjusting their plans this year due to inflation and rising costs

What would you do this holiday season to save money on your vacation?
Oct 16, 2023
A house destroyed by extreme weather

Survey: 81% of Americans say higher energy costs or extreme weather have impacted their wallets

Over the past sweltering summer, 72% of Americans had higher electric bills.
Oct 02, 2023
Young college students laughing and walking between classes

As student loan payments resume, financial regrets and stress grip borrowers

The mark it’ll leave on the U.S. economy — and households — is uncertain.
Sep 25, 2023
Young woman smiling and walking down a city street with here cellphone out

Survey: 48% of social media users have impulsively purchased a product seen on social media

People are impulsively spending hundreds on products seen on social media.
Sep 18, 2023
A professional man and woman have a stare-down while money floats in the background

Nearly 80% of graduates with the 20 most lucrative college degrees are men (2023)

Men are three times more likely than women to hold one of the top 20 most lucrative degrees, according to new Bankrate research.
Sep 05, 2023
Someone on their phone while also on a zoom conversation

Survey: 89% of American workforce prefer 4-day workweeks, remote work or hybrid work

What would you change for the chance to work remote, hybrid, or for a shorter week?
Aug 23, 2023
Young woman in office doing her job

9 in 10 Gen Z investors were active due to inflation or interest rates: Why that’s bad news – and good

Increased buying activity may lead to higher long-term returns – if investors are doing it right.
Aug 21, 2023
Money next to flashing sirens

Bankrate’s 2025 Annual Emergency Savings Report

Over 1 in 3 people tapped emergency savings in the past year, per a new Bankrate survey.
Mar 26, 2025
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

Gender pay gaps vary by state, industry, job and race and ethnicity. Here’s where pay disparities are the widest

The gender pay gap impacts all women, but not in the same way.
Mar 14, 2025
Illustration of hand reaching into a computer

Survey: Many consumers stick with same bank accounts for decades, cite convenience as a factor

On average, Americans have kept the same bank accounts for over a decade.
Mar 10, 2025
Design element of a pile of cash with a illustration of a city in the background

Planning to relocate for a job? Here’s how far your paycheck goes in the 25 largest U.S. metros

That $100K salary goes a lot further in some metros than others. Here’s why.
Jan 22, 2025
Woman appearing stressed when looking at financial documents

Survey: 44% of Americans believe their finances will improve in 2025, an increase from previous years

Paying down debt is a top financial goal for Americans next year.
Dec 12, 2024
Illustration of worker juggling dollar bills over a background of a line signifying rising inflation

Survey: More than 3 in 5 workers got a pay increase this year — but some still say their wages trailed inflation

That’s even as the latest data shows that wages are rising faster than prices.
Dec 04, 2024
Image of a social security card

Survey: More than half of workers expect to rely on Social Security benefits when they retire, yet 73% are concerned they won’t get them

With Social Security funds projected to run out, Gen Xers are worried about their benefits.
Nov 21, 2024
Halloween bucket filled with money

Survey: 62% of Americans feel behind on emergency savings, while only 1 in 5 has increased savings this year

Despite inflation and expenses, there are ways to increase your emergency savings.
Oct 23, 2024
A large house. Blaring sirens juxtaposed

Bankrate’s 2025 Home Affordability Report

Homeownership is still very much a symbol of the American Dream.
Apr 16, 2025

Should you use a home equity loan to pay off your debts?

It can be a smart strategy, provided you understand what you’re risking.
Apr 15, 2025
A neighborhood of single-family homes

Study: Hopeful homebuyers need income of nearly $117,000 to afford typical home in U.S.

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.
Mar 31, 2025
A man standing in front of an illustration of ripped money

How to lose money renovating a home

Along with strategies to stay solvent during your redo.
Aug 09, 2024
Woman on cell phone standing in front of a home for sale sign

Buy or rent? Study shows renting is more affordable in the 50 largest metros

Nationwide, the typical home costs nearly 37 percent more to buy than to rent on a monthly basis.
Apr 29, 2024
Closeup of a hand turning a dial with a house and a stack of cash in the background

Study: Americans need a six-figure salary to afford a typical home in nearly half of U.S. states

This is the salary you’ll need to afford a typical home in your state.
Apr 01, 2024

Younger homeowners more likely to have used retirement savings for a down payment — should you?

Is it worth using retirement savings to fund a down payment on a home?
Mar 11, 2024
Illustrated collage featuring a set of keys and coins in a jar

Survey: More than half of aspiring homeowners say cost of living, low income hold them back

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.
Feb 26, 2024
Image of two people in wide brim hats and summer clothes walking hand-in-hand down a narrow strip of white sand beach towards a small motor boat in the distance. Blue water laps in small waves on either side of the strip of beach.

Survey: Fewer Than Half of Americans Plan to Travel This Summer; Cost is a Major Concern

Fewer than half of Americans are planning to travel this summer, with costs and lack of interest topping the reasons they aren’t.
Apr 21, 2025
Man being weighed down with a credit card on his back.

Bankrate’s 2025 Credit Card Debt Report

Nearly half of credit cardholders carry debt — and many have been in that debt for years.
Apr 09, 2025
A tiny golden cup trophy standing on three fanned out credit cards.

Survey: More than 7 in 10 credit card debtors might be making a mistake — they’re still chasing rewards

Overspending for points or cash becomes futile when interest charges kick in.
Mar 24, 2025
Man blocking face by holding a stop sign in front of himself

Survey: Almost half of loan applicants have been denied over the past 12 months

Rate cuts from the Fed usually help borrowers. They aren’t right now.
Feb 03, 2025
2 people sitting on a couch having a conversation

Survey: 2 in 5 Americans in a relationship have kept a financial secret from their partner

Many Americans keep financial secrets like hidden expenses or debt.
Jan 27, 2025
Design element displaying credit cards being cut up with a pair of scissors.

Survey: Nearly half of American credit cardholders still carry debt, many for at least a year

48 percent of cardholders are in debt, down slightly from earlier this year.
Jan 08, 2025
Design element consisting of a cell phone and holiday gifts in the background

Bankrate’s 2024 Holiday Spending Report

Inflation has many Americans trying to make their holiday shopping lists on a budget.
Dec 13, 2024
Evergreen wreath around a tip jar full of money

Survey: 4 in 5 tippers just want to say thank you this holiday season

The holidays are almost here, have you considered how much to tip this year?
Dec 09, 2024
Design element of a child standing in front of a table, looking at several piggy banks

Survey: You’re more likely to get a raise if you learned about money as a kid

A new Bankrate survey shows how our childhood influences our money habits.
Feb 24, 2025
Person standing on front porch while holding a broom

“Middle class” feels more confusing than ever. Here’s how you can avoid being caught in the middle

Middle-income Americans often don’t feel financially secure, despite their salaries.
Jan 09, 2025
Images of Vice President Kamala Harris and presidential candidate Donald Trump

Survey: 41% of Americans say inflation is their top economic issue for the 2024 election

Weeks before the election, most people feel pessimistic about where the economy is headed.
Oct 15, 2024
Two hands from two different people. One with thumbs up, one with thumbs down. A partially shredded dollar bill hangs in the background

Survey: 1 in 2 Americans say their overall financial situation is worse now than it was before Biden was elected

How have your finances changed since 2020? Half of U.S. adults now feel worse off.
Nov 08, 2023
Young woman smiling and walking down a city street with here cellphone out

Survey: 48% of social media users have impulsively purchased a product seen on social media

People are impulsively spending hundreds on products seen on social media.
Sep 18, 2023
Someone on their phone while also on a zoom conversation

Survey: 89% of American workforce prefer 4-day workweeks, remote work or hybrid work

What would you change for the chance to work remote, hybrid, or for a shorter week?
Aug 23, 2023
A happy woman opening presents in front of people

Survey: 47% of U.S. adults have at least one unused gift card

Checked your drawers recently? 47% of Americans have unused gift cards.
Jul 24, 2023
Worried man looking at cellphone

Survey: 74% of Americans have a financial regret, most frequently not saving for retirement early enough

Bankrate polling shows 21 percent of Americans regret not saving for retirement early enough.
Jul 19, 2023
Woman contemplates finances

Every American is losing money due to extreme weather. Here’s how.

Extreme weather is impacting our finances in unexpected ways.
Nov 27, 2024
A house destroyed by extreme weather

Survey: 81% of Americans say higher energy costs or extreme weather have impacted their wallets

Over the past sweltering summer, 72% of Americans had higher electric bills.
Oct 02, 2023

Trusted industry voices backed by Bankrate data

Discover how industry leaders utilize our data

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Federal Reserve holds interest rates steady: What that means for mortgages, credit cards and more

Citing Bankrate’s credit card & savings rate data
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More Americans have brighter outlook on state of finances for next year: survey

Featuring Bankrate’s Financial Outlook survey
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The Wall Street Journal logo

WSJ | Markets - Bonds & Rates

Citing Bankrate’s national product rate data
Read more
New York Times logo

What the Fed’s Rate Policy Means for Your Finances

Citing Bankrate’s credit card & savings account data
Read more
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