The data from GOBankingRates.com conflicts with a recent survey by America Saves, a campaign from the Consumer Federation of America, that found people's interest, effort and effectiveness to personally save was on the rise in September.
America Saves surveys 1,000 people three times per year for its Personal Savings Index to gauge perceptions about savings.
"While no trends over the past two years are yet evident, it is encouraging that the latest Personal Savings Index numbers are so high," said Stephen Brobeck, executive director of the Consumer Federation of America and a founder of America Saves, in a statement.
America Saves surveys continue to find that top earners have higher levels of savings interest, effort and effectiveness than the rest of the population. For example, 84 percent of people who earn more than $100,000 annually reported to be interested in saving compared with 72 percent of people with annual incomes between $50,000 and $75,000 and 68 percent of people who earn less than $25,000.