US savings rate and inflation, July 2026
Monthly report on US savings rates, inflation and interest rates in July 2026, based on official data.
- Average savings rate: 0.38% — vs previous month unchanged (0.00% pp); vs a year earlier unchanged (0.00% pp).
- Inflation: 3.4% — vs previous month down (-0.1% pp).
- Real savings return: -3.02%.
- US national average 12-month CD rate: 1.68%.
- Federal funds effective rate: 3.63%.
- US 10-year Treasury yield: 4.75%.
What does it mean? With $10,000 in an average savings account you lost roughly $302 of purchasing power on an annual basis in July 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.