US savings rate and inflation, January 2026
Monthly report on US savings rates, inflation and interest rates in January 2026, based on official data.
- Average savings rate: 0.39% — vs previous month unchanged (0.00% pp); vs a year earlier down (-0.02% pp).
- Inflation: 2.4% — vs previous month down (-0.3% pp).
- Real savings return: -2.01%.
- US national average 12-month CD rate: 1.61%.
- Federal funds effective rate: 3.64%.
- US 10-year Treasury yield: 4.26%.
What does it mean? With $10,000 in an average savings account you lost roughly $201 of purchasing power on an annual basis in January 2026.
- US national average savings rate
- US CPI inflation (CPI-U, year over year)
- Federal funds effective rate
Do the maths: savings calculator · FIRE calculator · all data.