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Home purchase High-yield savings Home refinance Credit cards Home equity Mortgage calculator CD rates Personal loans Federal Reserve Icon Federal Reserve THE FED MAKES A SECOND INTEREST RATE CUT Get insights from Bankrate experts on the Federal Reserve’s second interest rate cut and what it means for your personal finances. Learn more BANKRATE HELPS MILLIONS OF PEOPLE DO MORE WITH THEIR MONEY 48 Years in personal finance 50+ In-house financial experts 200+ Money tools & calculators Mortgages CDs Savings Rates Trends TOP MORTGAGE OFFERS Make your dream home a reality with the right mortgage. Compare mortgage rates Term 10-year fixed Rate 5.12% APR 5.51% View 10-year fixed mortgage rates Arrow Right Icon Term 15-year fixed Rate 5.47% APR 5.76% View 15-year fixed mortgage rates Arrow Right Icon Term 30-year fixed Rate 6.28% APR 6.44% View 30-year fixed mortgage rates Arrow Right Icon Bankrate “top offers” represent the weekly average interest rate and average of APRs among top offers featured on Bankrate for the loan type and term selected, as of November 24, 2024. How are these rates calculated? CURRENT MORTGAGE TRENDS Top offers for a 30-year fixed mortgage on Bankrate are currently 0.69% lower than the national average. Compare mortgage rates Bankrate “top offers” represent the weekly average interest rate among top offers featured on Bankrate for the loan type and term selected, as of November 24, 2024. “National average” is determined by averaging interest rate information provided by 100-plus lenders nationwide. The current national average 30-year fixed mortgage APR is 6.97% as of November 24, 2024. How are these rates calculated? Rates Trends TODAY’S TOP CD RATES Put your money to work and earn extra interest when you stash it in a high-yield CD. Compare CD rates Term 6 Month APY* 4.20% vs Nat Avg 2.47% View 6 month CD rates Arrow Right Icon Term 1 Year APY* 4.15% vs Nat Avg 2.37% View 1 year CD rates Arrow Right Icon Term 5 Year APY* 3.79% vs Nat Avg 2.34% View 5 year CD rates Arrow Right Icon *Average annual percentage yield featured on Bankrate as of November 24, 2024. CURRENT CD TRENDS Top offers on Bankrate for a one-year CD are currently 2.37% higher than the national average. Compare CD rates Bankrate “top offers” represent the average of the top CD offers from the institutions we track, featured on Bankrate as of November 24, 2024. “National average” is determined by Bankrate's comprehensive national survey of savings accounts and CDs. The current national average for a one-year CD is 1.78% as of November 24, 2024. How are these rates calculated? Rates Trends TODAY’S TOP SAVINGS RATES Make the most of today’s competitive rates and grow your money with a high-yield savings account. Compare savings rates Type Savings APY* 4.49% vs Nat Avg 3.93% View savings rates Arrow Right Icon Type Money Market APY* 3.68% vs Nat Avg 3.25% View money market rates Arrow Right Icon *Average annual percentage yield featured on Bankrate as of November 24, 2024. CURRENT SAVINGS TRENDS Top offers on Bankrate are currently 3.93% higher than the national average. Compare savings rates Bankrate “top offers” represent the average of the top savings account offers from the institutions we track, featured on Bankrate as of November 24, 2024. “National average” is determined by Bankrate's comprehensive national survey of savings accounts and CDs. For savings, the current national average is 0.56% as of November 24, 2024. How are these rates calculated? EXPERTS IN ALL THINGS FINANCE Our expert reporters and editors bring the news and analysis you need—backed by data and firsthand experience. 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