Banking & Savings

Where your cash should sit — the accounts that pay, when to lock in a rate, and how much to set aside for the unexpected.

Guides in this category

Five source-cited guides on savings accounts, CDs, and sizing your emergency fund.

Coins and a savings jar for inflation-protected savings

Series I Savings Bonds: Rates & How to Buy (2026)

I bonds earn 4.26% through October — the $10,000 limit and tax rules.

Updated Oct 5, 20266 min read

Stack of coins representing locked-in savings

Best 12-Month CD Rates (2026)

Up to 4.45% APY — eight banks beating the 1.73% national average.

Updated Sep 28, 20266 min read

Piggy bank with coins

Best High-Yield Savings Accounts (2026)

Eight accounts still paying 4%+ APY, with the fine print on each.

Updated Sep 20, 20267 min read

US dollar bills

High-Yield Savings vs CD vs Money Market

When to lock in a CD and when liquidity is worth the lower rate.

Updated Sep 20, 20266 min read

Coins and a savings jar

How Much Emergency Fund Do You Need?

The 3–6 month rule, and why half of Americans can't cover $1,000.

Updated Sep 20, 20266 min read

Coming soon

More coming soon: best no-fee checking accounts, CD laddering guide.