www.bankrate.com Open in urlscan Pro
151.101.1.132  Public Scan

Form analysis
1 forms found in the DOM

Name: search bar — https://www.bankrate.com/search/

<form class="SiteNavSearch-form" name="search bar" type="search" action="https://www.bankrate.com/search/">
  <div>
    <div>
      <input type="text" id="siteSearchInput" x-ref="siteSearchInput" x-trap="(isSearchOpen &amp;&amp; $refs.siteSearchInput.focus() === false)" @keydown.shift.tab="toggleSearch()" @keydown.esc="toggleSearch()" class="FormInput SiteNavSearch-input"
        name="q" placeholder="What can we help you find?" value="" autocomplete="off" aria-label="Search Bankrate" data-beam-field-inputted-no-pii="" data-label="Search Bankrate" data-beam-uid="7" data-beam-event="change">
    </div>
    <div>
      <button type="submit" class="SiteNavSearch-submit" data-js-selector="nav-search-submit-btn">
        <span class="visually-hidden">Submit</span>
        <svg class="Icon Icon--sm" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false">
          <path fill-rule="evenodd" clip-rule="evenodd"
            d="M10.846 2C6.216 2 2.5 5.783 2.5 10.499c0 4.715 3.715 8.498 8.346 8.498 1.733 0 3.337-.53 4.667-1.439l4.972 5.113c.43.439 1.13.439 1.561 0l.216-.22c.43-.383.43-1.096 0-1.535l-4.944-5.033a8.572 8.572 0 0 0 1.874-5.384C19.192 5.783 15.423 2 10.846 2Zm0 2.193c3.393 0 6.192 2.851 6.192 6.306 0 3.454-2.8 6.305-6.192 6.305-3.392 0-6.192-2.851-6.192-6.305 0-3.455 2.746-6.306 6.192-6.306Z"
            class="icon-base" fill="currentColor"></path>
          <title>Search</title>
        </svg></button>
    </div>
  </div>
</form>

Text Content

Skip to Main Content
Bankrate
 * Banking Caret Right
   Caret LeftAll
   Banking
   Checking & savingsCaret Right CDsCaret Right Money marketCaret Right
   BanksCaret Right
   Explore all banking resources Arrow Right
   Caret Left Banking
   
   
   Compare accounts
   
    * Best savings accounts
    * Best high-yield savings accounts
    * Best business checking accounts
    * Best checking accounts
   
   Get guidance
   
    * Savings calculator
    * All savings calculators
    * Savings rate trends
    * Savings resources
   
    * Savings basics 5 min read
    * How to start saving 4 min read
   
   Compare accounts
   
    * Best CD rates
    * Best 1-year CD rates
    * Best 5-year CD rates
    * Best 6-month CD rates
   
   Get guidance
   
    * CD calculator
    * CD ladder calculator
    * CD rate trends
    * CD resources
   
    * CD basics 7 min read
    * How to invest with CDs 6 min read
   
   Money market accounts
   
   Money market accounts are similar to savings accounts, but offer some
   checking features as well.
   
   View MMA rates
   
   Get guidance
   
    * Money market basics
    * Money market vs savings accounts
    * How does an MMA work?
    * MMA resources
   
   Banking
   
   Skip the searching and find your next bank in minutes with BankMatch℠.
   
   Find my match
   
   Get guidance
   
    * Best banks of 2023
    * Bank reviews
    * Federal Reserve news
    * Best bank bonuses
   
    * Marcus review Our take on Marcus by Goldman Sachs
    * Capital One review Our take on Capital One Bank
   
   Explore all banking resources Arrow Right
 * Homes Caret Right
   Caret LeftAll
   Homes
   MortgagesCaret Right Home equityCaret Right Real estateCaret Right Home
   insuranceCaret Right
   Explore all homes resources Arrow Right
   Caret Left Homes
   
   
   Compare rates
   
    * Mortgage rates
    * Refinance rates
    * 30-year mortgage rates
    * 15-year mortgage rates
   
   Get guidance
   
    * Mortgage calculator
    * Amortization calculator
    * Mortgage rate news
    * First-time homebuyer programs
    * Mortgage resources
   
    * How to get a mortgage 11 min read
    * LoanMatch Get personalized mortgage quotes
   
   Home equity
   
   Home equity is the portion of your home you’ve paid off. You can use it to
   borrow for other financial goals.
   
   View home equity rates
   
   Get guidance
   
    * HELOC rates
    * Home equity loan calculator
    * All home equity calculators
    * Home equity resources
   
    * Home equity & HELOC guide 8 min read
    * Home equity lender reviews Read what the experts have to say
   
   Buying & selling
   
   Find an expert who knows the market. Compare trusted real estate agents all
   in one place.
   
   Find an agent
   
   Get guidance
   
    * Home affordability calculator
    * Cost of living calculator
    * How much is my house worth?
    * Log in with Bankrate Pro
    * Real estate resources
   
    * Buying a home 12 min read
    * Selling a home 10 min read
   
   Home insurance
   
   Home insurance doesn't have to be a hassle. Choose the best home insurance
   company for you.
   
   Best home insurance
   
   Get guidance
   
    * Cheapest home insurance
    * Home insurance quotes
    * Home insurance resources
   
    * Home insurance rates by state 19 min read
    * How much is home insurance? Here’s how much you can expect to pay
   
   Explore all homes resources Arrow Right
 * Investing Caret Right
   Caret LeftAll
   Investing
   InvestingCaret Right RetirementCaret Right Financial advisingCaret Right Life
   insuranceCaret Right
   Explore all investing resources Arrow Right
   Caret Left Investing
   
   
   Compare investments
   
    * Best investments
    * Best short-term investments
    * Best low-risk investments
    * Best index funds
   
   Get guidance
   
    * All investing calculators
    * Brokerage reviews
    * Roboadvisor reviews
    * Find a financial advisor
    * Tax resources
   
    * How to start investing 7 min read
    * Passive income ideas 26 min read
   
   Compare plans
   
    * Best retirement plans
    * Best IRA accounts
    * Best Roth IRA accounts
    * Best 401(k) rollover options
   
   Get guidance
   
    * Retirement calculator
    * 401(k) calculator
    * Roth IRA calculator
    * All retirement calculators
    * Retirement resources
   
    * How to save for retirement 15 min read
    * Best & worst states for retirement 6 min read
   
   Finding an advisor
   
    * Find a financial advisor
    * Best financial advisors
    * Choosing a financial advisor
    * Financial planner vs advisor
   
   Get guidance
   
    * What is financial planning?
    * Financial advisor pros & cons
    * What is a fiduciary?
    * When to get an advisor
    * Financial advisor resources
   
    * What is wealth management? 6 min read
    * What is a CFP? 5 min read
   
   Life insurance
   
   Life insurance doesn’t have to be complicated. Find peace of mind and choose
   the right policy for you.
   
   Best life insurance
   
   Get guidance
   
    * Cheapest life insurance
    * Life insurance calculator
    * Life insurance quotes
    * Cost of life insurance
    * Life insurance resources
   
    * Whole life insurance 6 min read
    * Term life insurance 10 min read
   
   Explore all investing resources Arrow Right
 * Credit cards Caret Right
   Caret LeftAll
   Credit cards
   Cards by categoryCaret Right Cards by creditCaret Right Tools & reviewsCaret
   Right
   Explore all credit cards resources Arrow Right
   Caret Left Credit cards
   
   
   Compare cards
   
    * Best cards of 2023
    * Best cash back cards
    * Best balance transfer cards
    * Best 0% APR cards
    * Best travel cards
    * Best rewards cards
    * Best business cards
    * Best student cards
   
   Find your fit
   
    * CardMatch™ Get personalized card recommendations
    * Card comparison tool Compare credit cards side-by-side
   
   See your card matches
   
   Answer a few quick questions and we’ll show you your top credit card options.
   
   Find my matches
   
   Compare cards
   
    * Excellent credit
    * Good credit
    * Fair credit
    * Bad credit
   
    * How to build credit 7 min read
    * Best cards for building credit Find out which credit cards could help
   
   See what the experts say
   
   Read in-depth credit card reviews to find out which cards have the best perks
   and more.
   
   Read card reviews
   
   Get guidance
   
    * Credit card payoff calculator
    * Balance transfer calculator
    * Credit utilization calculator
    * All credit card calculators
   
    * Card comparison tool Compare credit cards side-by-side
    * Spender type tool Find cards that fit your needs
   
   Explore all credit cards resources Arrow Right
 * Personal loans Caret Right
   Caret LeftAll
   Personal loans
   Personal loansCaret Right Student loansCaret Right Debt managementCaret Right
   Explore all personal loans resources Arrow Right
   Caret Left Personal loans
   
   
   Compare lenders
   
    * Prequalify for a personal loan
    * Best personal loans
    * Best personal loans for bad credit
    * Best home improvement loans
   
   Get guidance
   
    * Personal loan guide
    * Loan calculator
    * Personal loan calculator
    * All personal loan calculators
   
   Compare lenders
   
    * Best student loans
    * Student loan refinance rates
    * Student loans for bad credit
    * Private student loans
   
   Get guidance
   
    * Student loan lender reviews
    * Student loan calculator
    * All student loan calculators
    * Student loan resources
   
   Manage your debt
   
   Start making moves toward your money goals and compare your debt management
   options.
   
   Debt consolidation loans
   
   Get guidance
   
    * Debt consolidation calculator
    * Debt consolidation guide
   
   Explore all personal loans resources Arrow Right
 * Business Caret Right
   Caret LeftAll
   Business
   Business loansCaret Right Business credit cardsCaret Right
   Explore all business resources Arrow Right
   Caret Left Business
   
   
   Compare lenders
   
    * Best small business loans
    * Best startup business loans
    * Best bad credit business loans
    * Best business lines of credit
   
   Get guidance
   
    * Business loan calculator
    * Small business loan resources
   
   Business credit cards
   
   Boost your business with rewards, perks and more. Compare cards in one place
   to find the one for you.
   
   Best business cards
   
   Get guidance
   
    * Business credit card reviews
    * How to build business credit
    * Personal vs business cards
   
   Explore all business resources Arrow Right
 * Auto Caret Right
   Caret LeftAll
   Auto
   Auto loansCaret Right Auto insuranceCaret Right
   Explore all auto resources Arrow Right
   Caret Left Auto
   
   
   Auto loans
   
   Figure out funding for your next car or refinance with confidence. Check out
   today’s auto loan rates.
   
   View auto loan rates
   
   Get guidance
   
    * Auto loan calculator
    * Auto refinance calculator
    * Auto loan guide
    * Auto loan resources
   
    * How to get the best quote 5 min read
    * Auto loan refinancing guide Learn the ins & outs of refinancing
   
   Auto insurance
   
   Drive with peace of mind when you compare insurance carriers and find the
   policy that’s right for you.
   
   Best auto insurance
   
   Get guidance
   
    * Cheapest auto insurance
    * Auto insurance rates
    * Auto insurance resources
   
    * Auto insurance by state 5 min read
    * How much is car insurance? Here's how much you can expect to pay
   
   Explore all auto resources Arrow Right

Bankrate
SearchClose X



Submit Search



GUIDING YOU THROUGH LIFE’S FINANCIAL JOURNEY

Compare rates, crunch numbers and get expert guidance for life’s biggest
financial moments.


CD rates

High-yield savings

Home purchase

Credit cards

Home equity

Home refinance

Investing

Personal loans
Not sure where to start? Tell us about your goals and we'll point you in the
right direction.
Arrow Right
Collapse
Close X


WHAT BRINGS YOU TO BANKRATE TODAY?


QUESTION 1 OF 2
Still want recommendations? Pick up where you left off. Expand Continue where
you left off
Caret Up
Close X


BANKRATE RECOMMENDS

AdvisorMatch


FIND A VETTED FINANCIAL ADVISOR IN MINUTES

From retirement planning to saving for a home, a financial advisor can help you
reach your financial goals.

Arrow Right

Read article

HOW THE FEDERAL RESERVE IMPACTS YOUR MONEY

The Fed has a direct line to your wallet, and what it decides to do with
interest rates can have a hand in almost every financial decision you make —
from hunting for a new job to buying a new home.

READ ARTICLE

CONSUMER IMPACT IF CREDIT CARD COMPETITION ACT OF 2023 PASSES

The Credit Card Competition Act of 2023 would give merchants network choice in
processing transactions. It could impact consumers through lower rewards and
security.

TAKE ACTION

GET OUT OF DEBT WITH THE BEST COMPANIES OF 2023

Take control of your finances and restore your credit with effective debt relief
solutions.
READ ARTICLE

HOW MANY BUSINESS CREDIT CARDS SHOULD I HAVE?

Find the right credit card for your venture as a small business owner to help
you achieve your goals.


EXCLUSIVE INSIGHTS FROM OUR EXPERT ANALYSTS

> “Many retail credit cards now charge all of their balance-carrying customers
> rates in line with what we used to think of as figures reserved solely for a
> deep subprime audience.”

– Ted Rossman


AVERAGE RETAIL CREDIT CARD APR HITS RECORD HIGH OF 28.93%

With the holiday season approaching and interest rates on the rise, the average
APR for retail credit cards reached a new record high of 28.93% this year, up
from 26.72% in 2022 and 24.35% in 2021, according to Bankrate’s annual Retail
Cards Study. The average store-only credit card charges 30.24% (up from 28.22%
last year) while the average co-branded credit card charges 27.64% (up from
25.01% last year).
Read the survey
The trusted provider of accurate rates and financial information
Wall Street Journal
USA Today
The New York Times
CNN
Bloomberg
ABC
The best of personal finance


THE BANKRATE AWARD WINNERS ARE HERE

From investing to influencers, our experts have found the best of the best for
all things personal finance. Check out the top financial products of the year
and find the winners for your wallet.

See the 2023 winners

Over 200 financial calculators


FIND ANSWERS, FAST


Mortgage
Mortgage calculator
Rates
Simple savings
Mortgage Percent
Amortization
Dollar
Cost-of-living
Mortgage Market
Home affordability
Credit Card
Credit card payoff
Cd
CD calculator
Credit Card Balance Transfer
Balance transfer
Loan
Loan calculator
Calculator
See all calculators


A BETTER RATE IS WAITING


 * Banking
 * Mortgage


NATIONAL AVERAGE BANKING RATES

1 Year CD 1.79% 3 Year CD 1.42% 5 Year CD 1.48% Savings Account 0.57%

See all CD rates
|
See all Savings rates


CURRENT MORTGAGE RATES

30 Year Fixed 8.00% 15 Year Fixed 7.15% 10 Year Fixed 7.09% 5/1 ARM 6.88%

See all Mortgage rates



 

Rate trends


CURRENT CD INTEREST RATES

Average rate of savings account interest
Banking news


TRUSTED NEWS AND REVIEWS, PUBLISHED DAILY

See all news



HOW OFTEN CAN YOU REFINANCE YOUR HOME?

7 min read


HOME EQUITY BORROWING ON THE RISE: WHAT HOMEOWNERS SHOULD KNOW

11 min read


TOP CD RATES TODAY: OCT. 24, 2023 — RATES OF 5% AND GREATER

3 min read


AMAZON PRIME REWARDS VISA SIGNATURE CARD BENEFITS GUIDE

4 min read


HOW TO PREPARE FOR FHA APPRAISAL REQUIREMENTS

9 min read


HOW OFTEN CAN YOU REFINANCE YOUR HOME?

7 min read


HOME EQUITY BORROWING ON THE RISE: WHAT HOMEOWNERS SHOULD KNOW

11 min read

Caret Left Caret Right


Credit Cards


BEST BUSINESS CREDIT CARDS FOR EARNING POINTS

5 min read

Mortgages


PIGGYBACK LOANS: WHAT THEY ARE AND HOW THEY WORK

6 min read

Investing


9 OF THE WORLD’S MOST VALUABLE COINS

8 min read


REVIEWS AND RECOMMENDATIONS

Advertiser disclosure


Bankrate independently researches financial companies and rates them according
to an objective set of criteria. For more information on how we stay impartial,
check out our editorial integrity policy.




REVIEWS BY CATEGORY

 * Banking reviews
 * Mortgage lender reviews
 * Credit card reviews
 * Personal loan reviews
 * Home equity reviews
 * Best home insurance
 * Brokerage reviews


REVIEWS OF TOP BANKS

Rating: 4.1 stars out of 5





4.1
Bankrate Review
Rating: 4.7 stars out of 5





4.7
Bankrate Review
Rating: 4.4 stars out of 5





4.4
Bankrate Review



REVIEWS OF TOP MORTGAGE LENDERS

Rating: 5 stars out of 5





5.0
Bankrate Review
Rating: 4.8 stars out of 5





4.8
Bankrate Review
Rating: 4.8 stars out of 5





4.8
Bankrate Review


POPULAR TOPICS


Rates
Start saving
Dollar
Start investing
Mortgage Market
Purchase a home
Home Equity
Refinance a home
Retirement
Save for retirement
Credit Card
Get a credit card
Insurance Home Alt
Get home insurance
Auto Car Guides
Find car insurance



INTRODUCING CARDMATCH™ YOUR PERFECT CARD IS ONE CLICK AWAY

Find your match

WHY CARDMATCH™?

 * 1
   
   No impact to your credit score

 * 2
   
   Bank-level security to keep your data safe

 * 3
   
   Elevated bonus offers and custom results


BANKRATE LOGO BANKRATE


ABOUT

 * About us
 * Press room
 * Careers
 * Advertise with us
 * Site map


HELP

 * Contact us
 * Compare rates
 * Latest news
 * Popular topics


LEGAL

 * Privacy policy
 * Cookie Settings
 * Do Not Sell or Share My Personal Information
 * Understanding Bankrate’s averages
 * Terms of use
 * GLBA annual notice
 * California Consumer Financial Privacy Notice
 * Licenses


HOW WE MAKE MONEY

Bankrate.com is an independent, advertising-supported publisher and comparison
service. We are compensated in exchange for placement of sponsored products and,
services, or by you clicking on certain links posted on our site. Therefore,
this compensation may impact how, where and in what order products appear within
listing categories, except where prohibited by law for our mortgage, home equity
and other home lending products. Other factors, such as our own proprietary
website rules and whether a product is offered in your area or at your
self-selected credit score range can also impact how and where products appear
on this site. While we strive to provide a wide range offers, Bankrate does not
include information about every financial or credit product or service.

Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access
BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access

Facebook Twitter Instagram Linkedin Youtube Tiktok
Bankrate US | UK

© 2023 Bankrate, LLC. A Red Ventures company. All Rights Reserved.





ADVERTISER DISCLOSURE

Bankrate.com is an independent, advertising-supported comparison service. The
offers that appear on this site are from companies from which Bankrate.com
receives compensation. This compensation may impact how and where products
appear on this site, including, for example, the order in which they may appear
within listing categories. Other factors, such as our own proprietary website
rules and the likelihood of applicants' credit approval also impact how and
where products appear on this site. Bankrate.com does not include the entire
universe of available financial or credit offers.
Bankrate has partnerships with issuers including, but not limited to, American
Express, Bank of America, Capital One, Chase, Citi and Discover.


EDITORIAL INTEGRITY

Bankrate follows a strict editorial policy, so you can trust that we’re putting
your interests first. Our award-winning editors and reporters create honest and
accurate content to help you make the right financial decisions.


KEY PRINCIPLES

We value your trust. Our mission is to provide readers with accurate and
unbiased information, and we have editorial standards in place to ensure that
happens. Our editors and reporters thoroughly fact-check editorial content to
ensure the information you’re reading is accurate. We maintain a firewall
between our advertisers and our editorial team. Our editorial team does not
receive direct compensation from our advertisers.


EDITORIAL INDEPENDENCE

Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to
give you the best advice to help you make smart personal finance decisions. We
follow strict guidelines to ensure that our editorial content is not influenced
by advertisers. Our editorial team receives no direct compensation from
advertisers, and our content is thoroughly fact-checked to ensure accuracy. So,
whether you’re reading an article or a review, you can trust that you’re getting
credible and dependable information.