With unemployment rates still high, analysts believe emergency savings accounts are more important than ever. However, this month's study, released by Bankrate Inc., shows that little more than half of Americans have more money in savings than credit card debt.

Among the findings:

- Nearly one out of four Americans, or 23 percent, have greater credit card debt than savings;

- Among people over 65, 26 percent had neither debt nor savings, the most among age groups;

- One out of three people from ages 30 to 49 had higher debt than savings, the highest proportion;

- At 59 percent, adults under 30 were most likely to report their emergency fund was larger;

- Only 15 percent of people are more comfortable with their savings now than compared to 12 months ago.

"Nothing helps you sleep better at night than knowing you have money tucked away for a rainy day," said Greg McBride, CFA, senior financial analyst for Bankrate.com. "Yet only 52 percent of Americans have more in their rainy day funds than in credit card debt, and 19 percent have neither debt nor savings, which puts them one unplanned expense away from trouble."