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Skip to Main Content Bankrate * Banking Caret Right Caret LeftAll Banking Checking & savingsCaret Right CDsCaret Right Money marketCaret Right BanksCaret Right Explore all banking resources Arrow Right Caret Left Banking Compare accounts * Best savings accounts * Best high-yield savings accounts * Best business checking accounts * Best checking accounts Get guidance * Savings calculator * All savings calculators * Savings rate trends * Savings resources * Savings basics 5 min read * How to start saving 4 min read Compare accounts * Best CD rates * Best 1-year CD rates * Best 5-year CD rates * Best 6-month CD rates Get guidance * CD calculator * CD ladder calculator * CD rate trends * CD resources * CD basics 7 min read * How to invest with CDs 6 min read Money market accounts Money market accounts are similar to savings accounts, but offer some checking features as well. 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Here's how much you can expect to pay Explore all auto resources Arrow Right Bankrate SearchClose X Submit Search GUIDING YOU THROUGH LIFE’S FINANCIAL JOURNEY Compare rates, crunch numbers and get expert guidance for life’s biggest financial moments. Credit cards CD rates High-yield savings Home equity Home purchase CD calculator Mortgage calculator Savings calculator Not sure where to start? Tell us about your goals and we'll point you in the right direction. Arrow Right Collapse Close X WHAT BRINGS YOU TO BANKRATE TODAY? QUESTION 1 OF 2 Still want recommendations? Pick up where you left off. Expand Continue where you left off Caret Up Close X THE BANKRATE AWARD WINNERS ARE HERE Skip the searching and find the top financial products of 2024, all in one spot. From insurance companies to investment accounts, we've got you covered with our top picks in every category. See the winners BANKRATE RECOMMENDS AdvisorMatch FIND A VETTED FINANCIAL ADVISOR IN MINUTES From retirement planning to saving for a home, a financial advisor can help you reach your financial goals. Arrow Right LEARN MORE INTRODUCING WHOLE HUMAN FINANCE™ With the help of National Debt Relief, you can reduce your debt and empower yourself to find help for your entire situation – not just your bank account. In partnership with READ ARTICLE 10 BEST INVESTMENTS IN 2024 These top investments offer your portfolio the potential for steady, positive returns. TAKE ACTION GET OUT OF DEBT WITH THE BEST COMPANIES OF 2024 Take control of your finances and restore your credit with effective debt relief solutions. READ ARTICLE HOW MANY BUSINESS CREDIT CARDS SHOULD I HAVE? Find the right credit card for your venture as a small business owner to help you achieve your goals. EXCLUSIVE INSIGHTS FROM OUR EXPERT ANALYSTS > “Inflation has been a key culprit standing in the way of further progress on > the savings front. Fortunately, rising interest rates have also provided more > generous returns on savings.” – Mark Hamrick JUST 44% OF AMERICANS SAY THEY CAN AFFORD A $1,000 EMERGENCY EXPENSE FROM THEIR SAVINGS Less than half of Americans (44%) say they can afford to pay a $1,000 emergency expense from their savings, according to a new Bankrate survey. This is up slightly from 43% in 2023, and at the same level as 2022. Nearly two-thirds of Americans (63%) say inflation/rising prices have caused them to save less for emergencies, while nearly 1 in 5 (19%) say they are saving more for emergencies because of rising interest rates. Read the survey The trusted provider of accurate rates and financial information Wall Street Journal USA Today The New York Times CNN Bloomberg ABC Over 200 financial calculators FIND ANSWERS, FAST Mortgage Mortgage calculator Rates Simple savings Mortgage Percent Amortization Dollar Cost-of-living Mortgage Market Home affordability Credit Card Credit card payoff Cd CD calculator Credit Card Balance Transfer Balance transfer Loan Loan calculator Calculator See all calculators A BETTER RATE IS WAITING * Banking * Mortgage NATIONAL AVERAGE BANKING RATES 1 Year CD 1.75% 3 Year CD 1.41% 5 Year CD 1.42% Savings Account 0.58% See all CD rates | See all Savings rates CURRENT MORTGAGE RATES 30 Year Fixed 7.03% 15 Year Fixed 6.47% 10 Year Fixed 6.23% 5/1 ARM 6.13% See all Mortgage rates Rate trends CURRENT CD INTEREST RATES Average rate of savings account interest Banking news TRUSTED NEWS AND REVIEWS, PUBLISHED DAILY See all news WHY NOW MIGHT BE A GOOD TIME TO CONSIDER LONGER-TERM CDS 4 min read JANUARY FED MEETING PREVIEW: 3 KEY QUESTIONS AS THE FOMC LOOKS LIKELY TO PUSH BACK ON RATE CUT BETS 7 min read OVER HALF OF AMERICANS ARE STRUGGLING TO SAVE. THESE 8 CHARTS SHOW HOW SMALL SAVINGS CAN ADD UP TO BIG MONEY 10 min read IS THE HOUSING MARKET GOING TO CRASH? WHAT THE EXPERTS ARE SAYING 9 min read WHAT WARREN BUFFETT THINKS ABOUT AI AND INVESTING 3 min read WHY NOW MIGHT BE A GOOD TIME TO CONSIDER LONGER-TERM CDS 4 min read JANUARY FED MEETING PREVIEW: 3 KEY QUESTIONS AS THE FOMC LOOKS LIKELY TO PUSH BACK ON RATE CUT BETS 7 min read Caret Left Caret Right Banking THE BEST TIME OF YEAR TO BUY EVERYTHING IN 2024 11 min read Home Equity WHAT IS A HOME EQUITY LOAN? 10 min read Credit Cards A GUIDE TO EARNING AND REDEEMING FREQUENT FLYER MILES 8 min read REVIEWS AND RECOMMENDATIONS Advertiser disclosure Bankrate independently researches financial companies and rates them according to an objective set of criteria. For more information on how we stay impartial, check out our editorial integrity policy. REVIEWS BY CATEGORY * Banking reviews * Mortgage lender reviews * Credit card reviews * Personal loan reviews * Home equity reviews * Best home insurance * Brokerage reviews REVIEWS OF TOP BANKS Rating: 4.1 stars out of 5 4.1 Bankrate Review Rating: 4.6 stars out of 5 4.6 Bankrate Review Rating: 4.5 stars out of 5 4.5 Bankrate Review REVIEWS OF TOP MORTGAGE LENDERS Rating: 4.6 stars out of 5 4.6 Bankrate Review Rating: 4.8 stars out of 5 4.8 Bankrate Review Rating: 4.9 stars out of 5 4.9 Bankrate Review POPULAR TOPICS Rates Start saving Dollar Start investing Mortgage Market Purchase a home Home Equity Refinance a home Retirement Save for retirement Credit Card Get a credit card Insurance Home Alt Get home insurance Auto Car Guides Find car insurance INTRODUCING CARDMATCH™ YOUR PERFECT CARD IS ONE CLICK AWAY Find your match WHY CARDMATCH™? * 1 No impact to your credit score * 2 Bank-level security to keep your data safe * 3 Elevated bonus offers and custom results BANKRATE LOGO BANKRATE ABOUT * About us * Press room * Careers * Advertise with us * Site map HELP * Contact us * Compare rates * Latest news * Popular topics LEGAL * Privacy policy * Cookie Settings * Do Not Sell or Share My Personal Information * Understanding Bankrate’s averages * Terms of use * GLBA annual notice * California Consumer Financial Privacy Notice * Licenses HOW WE MAKE MONEY Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access Facebook Twitter Instagram Linkedin Youtube Tiktok Bankrate US | UK © 2024 Bankrate, LLC. A Red Ventures company. All Rights Reserved. ADVERTISER DISCLOSURE Bankrate.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which Bankrate.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Bankrate.com does not include the entire universe of available financial or credit offers. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. EDITORIAL INTEGRITY Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. KEY PRINCIPLES We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. EDITORIAL INDEPENDENCE Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.