As of August 1, 2026, the Livret A, a popular tax-free savings account in France, offers a yield of 1.7%. The Livret de développement durable et solidaire (LDDS), which supports sustainable and solidarity-based projects, also provides the same rate. The Livret d'épargne populaire (LEP), designed for individuals meeting specific income criteria, offers a higher yield of 2.5%, significantly above average for risk-free savings. A potential increase to 2.4% is expected by February 1, 2027, which could bring the LEP rate closer to 3%. The Plan épargne logement (PEL), a savings plan linked to housing, currently guarantees a gross yield of 2% for its entire duration. However, due to a "flat tax" of 30%, the effective yield is 1.4% after deductions. This applies only to new PELs, while older accounts opened before March 1, 2011, still yield their original rates. PELs opened since 2011 have a 15-year limit, and many are nearing expiration. The PEL rate is expected to change again on January 1, 2027, though the exact details remain unclear. The Compte épargne logement (CEL), a savings account linked to housing, yields 1.25% before taxes as of August 1, 2026, and is expected to change again on February 1, 2027, aligning with the semi-annual adjustments of the Livret A. Ordinary savings accounts, which are not subject to the same regulations as the Livret A or PEL, yield an average of 0.75% gross, according to the Bank of France. Examples include the Livret B of the Caisse d'Epargne (0.05% to 0.10%) and the Compte sur livret of La Banque Postale (0.50%). The average rate for major banks' accounts stabilized at 0.34% gross in October 2026, according to the MoneyVox monthly report. "Super-livrets," offered by online banks and fintechs, provide higher yields compared to traditional accounts. These accounts offer an average base rate of 1.72% gross in October 2026, with some institutions like Revolut offering boosted rates of up to 5.25% before taxes. These boosted rates are typically valid for a limited period, such as 4 months (120 days) for the 5.25% rate, after which the rate drops to 2.25%. Classic accounts are subject to a flat tax of 31.4% in 2026, which reduces the effective yield. For example, a gross rate of 0.50% becomes 0.34% after tax, while a boosted rate of 5% would amount to 3.43% after deductions. Term accounts, which lock money for a specified period, offer higher yields. Term accounts with a duration of 2 years or less currently yield an average of 2.29% gross, while those with a duration of more than 2 years yield an average of 2.51%. New term accounts of more than 2 years opened in August 2026 had an average rate of 2.90%. For example, a 5-year term account with Swaive can offer a guaranteed yield of 3.35% before taxes, which amounts to 2.3% after the flat tax. Life insurance policies with euro funds typically yield an average of 2.63% in 2025, according to the Autorité de contrôle prudentiel et de résolution (ACPR), and an estimated 2.6% by France Assureurs. For 2026, an average yield of 2.9% is expected, according to Good Value for Money. However, these rates are before social deductions, which reduce the effective yield. A gross rate of 2.9% would amount to 2.4% after deductions. Inflation in September 2026 was 3%, according to the Insee, and the annual inflation rate for 2026 is estimated at 2.1%, according to the Insee. A net yield of at least 2.1% is needed to preserve purchasing power in 2026.