The holiday season is a time filled with joy, celebration, and, often, a lot of expenses. As the festivities wind down, many find themselves facing the reality of depleted bank accounts, credit card debt, and the daunting task of rebuilding their financial safety nets. An emergency fund serves as a…
Money is an uncomfortable topic for many, yet it’s an important ongoing conversation to have in a relationship. Financial secrets undermine trust. And for many, it may even feel like betrayal. More than 2 in 5 U.S. adults (43%) believe keeping financial secrets is at least as bad as physical…
Sixty percent of Americans under age 65 — that’s about 164.7 million people — receive their health insurance through their employer, according to a Kaiser Family Foundation analysis. That means losing a job can feel like a one-two punch: the loss of both income and health insurance. Then comes the…
Would you be upset if you found out your partner had a credit card you didn’t know about? On the flip side, have you ever fudged the numbers with your spouse about a recent shopping spree? Romantic relationships can come with mixed feelings about money. That’s why we asked more…
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The nation’s 75 million Social Security recipients will receive a 2.8% cost of living adjustment (COLA) increase in their benefits…
Historically Black colleges and universities are on the frontlines of the One Big Beautiful Bill Act’s new limits on parent…
The big new fees JPMorgan Chase is planning to charge some financial technology companies may well trickle down to consumers,…
With artificial intelligence beginning to eat away at many white-collar entry-level jobs, and the unemployment rate for recent college graduates…
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Images by Getty Images; Illustration by Hunter Newton/Bankrate A construction loan is a short-term, high-interest loan used to finance building a home. Funds are paid out in phases over the course of construction and typically cover land, materials, contractor labor and permits. They tend to…
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2. Coaching and Tutoring Take stock of your areas of expertise – maybe you speak a second language or solving math equations comes…
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These entrepreneurs, traders and investors are making an outsized impact in fintech, crypto and traditional financial services.By Jeff Kauflin, Hank Tucker and Nina…
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Key takeaways Money market accounts combine the features of checking and savings accounts and are FDIC- or NCUA-insured up to $250,000 per depositor. Money market funds aren’t federally insured or regulated, but they are considered conservative investments with very low risk of principal loss. Top-yielding money market accounts currently pay…
As they struggle to persuade Americans to buy new homes, homebuilders have leaned hard on a new tactic: Builders’ mortgage arms are wooing consumers with cut-rate home loans. The average mortgage rate for new construction buyers was 5.27% during the third quarter of 2025, compared to 6.26% for buyers of…
If you have infractions on your driving record in the Garden State, including speeding tickets, at-fault accidents or a DUI, you may need to look for high-risk coverage from a New Jersey insurance company. Affordable insurance for high-risk drivers can take a little work to find, but by shopping around,…
Key takeaways Personal loans and home equity loans can provide a much-needed source of funding if you need cash. Personal loans are less risky because they’re unsecured, but they often come with higher interest rates. Home equity loans may be more accessible to borrowers with lower credit scores, but you…
Images by Getty Images; Illustration by Issiah Davis/Bankrate Gap insurance in Texas, also known as guaranteed asset protection, helps cover the difference between what you owe on your car and its actual cash value (ACV) if it’s totaled or stolen. This optional coverage may be especially valuable for Texas drivers…
Image by MementoJpeg/GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways Money market accounts combine features of checking and savings accounts — you earn interest like a savings account but get check-writing and debit card access like a checking account (not all MMAs offer these features). High-yield savings accounts typically offer rates…
Key takeaways Most bank account denials stem from ChexSystems reports showing past account problems like unpaid negative balances, bounced checks, or suspected fraud — not your credit score. You can get your ChexSystems report free once every 12 months under federal law, dispute errors, and work to resolve outstanding issues…
Image by GettyImages, Illustrated by Bankrate Key Takeaways APY (Annual Percentage Yield) shows how much interest your savings account or CD will earn in one year, including the effect of compound interest. The best savings accounts currently pay around 4.20% APY, while average savings accounts pay just 0.61% APY—that’s over…
Key takeaways High-yield savings accounts pay up to 4.20% APY (400x more than traditional savings accounts at 0.01%), making them the best choice for emergency funds and short-term savings goals. CDs lock your money for fixed terms (1 month to 5 years) in exchange for guaranteed rates, while money market…
Milan Markovic/GettyImages Key takeaways High-yield savings accounts pay around 4.20% APY, compared to just 0.61% at traditional banks — that’s over six times more interest on your money. Prioritize accounts with competitive APYs, FDIC insurance, and no monthly maintenance fees to maximize your earnings. Look for essential digital features like…
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