5 Personal Finance Changes Coming by February 2026 (and How to Get Ahead of Them)

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Personal finance isn’t standing still. New rules, market shifts, and tech rollouts are reshaping how families borrow, save, and invest — and the next six months will be full of change.

Here are 5 major shifts to expect between now and February 2026, plus practical steps to protect your family’s finances.

1. Borrowing Costs Easing, Savings Rates Sliding

• The change: Mortgage rates could drift down by 0.25%–0.50% by early 2026, while high-yield savings accounts may drop 0.25%–0.75% as the Fed starts cutting rates.

• Timeline: Fed meetings on September 17, November 6, and December 17 will set the tone.

What to do:

• Run refinance scenarios and lock in savings if rates drop by 0.5% or more.

• Open a 12–18 month CD to lock higher yields before banks cut savings APYs.

2. Overdraft Fees Get Cheaper (October 2025)

• The change: New CFPB rules hit big banks on October 1, 2025, capping and restructuring overdraft fees.

• Impact: Expect fewer $35 overdrafts and more low-fee protection options.

What to do: