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CD rates High-yield savings Home purchase Credit cards Home equity Home refinance Investing Personal loans Stars Icon New OUR TOP PICKS FOR 2025 Presenting the 2025 Bankrate Awards. Our experts dug into all the data to handpick the best of the best for you. See the winners 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 5.27% APR 5.72% View 10-year fixed mortgage rates Arrow Right Icon Term 15-year fixed Rate 5.49% APR 5.77% View 15-year fixed mortgage rates Arrow Right Icon Term 30-year fixed Rate 6.44% APR 6.61% 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 January 10, 2025. How are these rates calculated? CURRENT MORTGAGE TRENDS Top offers for a 30-year fixed mortgage on Bankrate are currently 0.59% 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 January 10, 2025. “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 7.03% as of January 10, 2025. 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* 4.13% vs Nat Avg 2.48% View 6 month CD rates Arrow Right Icon Term 1 Year APY* 4.05% vs Nat Avg 2.33% View 1 year CD rates Arrow Right Icon Term 5 Year APY* 3.39% vs Nat Avg 2.00% View 5 year CD rates Arrow Right Icon *Average annual percentage yield featured on Bankrate as of January 10, 2025. CURRENT CD TRENDS Top offers on Bankrate for a one-year CD are currently 2.33% 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 January 10, 2025. “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 1.72% as of January 10, 2025. 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* 4.35% vs Nat Avg 3.79% View savings rates Arrow Right Icon Type Money Market APY* 3.31% vs Nat Avg 2.91% View money market rates Arrow Right Icon *Average annual percentage yield featured on Bankrate as of January 10, 2025. CURRENT SAVINGS TRENDS Top offers on Bankrate are currently 3.79% 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 January 10, 2025. “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 January 10, 2025. 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. About Bankrate Greg McBride, CFA Arrow Right Icon Chief Financial Analyst Sarah Foster Arrow Right Icon Principal U.S. Economy Reporter Mark Hamrick Arrow Right Icon Senior Economic Analyst Federal Reserve Icon Federal Reserve THE FED HAS NOW CUT INTEREST RATES THREE TIMES Get insights from Bankrate experts on the Fed’s latest decision and the steps you should take with your finances. Learn more Featured by names you know and trust Latest in Everything Caret Down IconCaret Down Icon Caret Up Icon * Everything * Banking * Mortgages * Credit cards * Investing * Personal loans * Home equity * Insurance STOCK MARKET HOLIDAYS 2025: US MARKETS ARE CLOSED ON THESE DAYS 1 min read Read more Arrow Right Icon SHOULD YOU USE A HOME EQUITY LOAN TO PAY OFF YOUR DEBTS? Home Equity 14 min read WHAT IS A NON-QM LOAN? A GUIDE TO NON-QUALIFYING MORTGAGES Mortgages 6 min read MORTGAGE RECASTING: WHAT IT IS AND HOW IT WORKS Mortgages 5 min read 4.7Star Icon 4.1Star Icon 4.7Star Icon All banking reviews BANKRATE’S Q4 ECONOMIC INDICATOR SURVEY: HERE’S WHAT THE NATION’S TOP ECONOMISTS ARE PREDICTING FOR THE U.S. ECONOMY IN 2025 9 min read Read more Arrow Right Icon CD RATES FORECAST FOR 2025: TOP YIELDS WILL DECLINE, YET THEY’LL OUTPACE INFLATION 3 min read SAVINGS AND MONEY MARKET ACCOUNT RATES FORECAST FOR 2025: YIELDS WILL DIP BUT REMAIN HIGHER THAN INFLATION 2 min read UNEMPLOYMENT BENEFITS: 6 POSSIBLE REASONS YOUR PAYMENT IS LATE — AND WHAT TO DO ABOUT IT 8 min read 4.7Star Icon 4.1Star Icon 4.7Star Icon All banking reviews WHAT IS A NON-QM LOAN? A GUIDE TO NON-QUALIFYING MORTGAGES 6 min read Read more Arrow Right Icon MORTGAGE RECASTING: WHAT IT IS AND HOW IT WORKS 5 min read MORTGAGE RATES PUSH FARTHER PAST 7% 3 min read HOW TO GET A HOME EQUITY LOAN WITH BAD CREDIT 11 min read 4.9Star Icon 4.6Star Icon 4.6Star Icon All mortgage reviews CAPITAL ONE VENTURE CARD BENEFITS GUIDE 6 min read Read more Arrow Right Icon CURRENT CREDIT CARD INTEREST RATES 4 min read HOW TO ENABLE MOBILE CREDIT CARD ALERTS FOR PURCHASES AND FRAUD 4 min read BEST BUSINESS CREDIT CARDS FOR FAIR CREDIT 6 min read Wells Fargo Active Cash® Card 4.3Star Icon Chase Sapphire Preferred® Card 4.8Star Icon Capital One SavorOne Cash Rewards Credit Card 5.0Star Icon All credit card reviews STOCK MARKET HOLIDAYS 2025: US MARKETS ARE CLOSED ON THESE DAYS 1 min read Read more Arrow Right Icon 12 MOST POPULAR TYPES OF CRYPTOCURRENCY 3 min read HOW TO PICK THE BEST 529 PLAN 11 min read CAN YOU TRADE OPTIONS AFTER HOURS? 3 min read 5.0Star Icon 5.0Star Icon 3.5Star Icon All investing reviews THE TOP 6 BUY NOW, PAY LATER APPS OF 2025 8 min read Read more Arrow Right Icon HOW MUCH OF A PERSONAL LOAN CAN I GET IN 2025? 5 min read THE BEST DEBT CONSOLIDATION LOANS FOR BAD CREDIT IN 2025 5 min read HOW TO GET A PERSONAL LOAN WITH LOW INTEREST RATES 5 min read 4.7Star Icon 4.8Star Icon 4.7Star Icon All personal loans reviews SHOULD YOU USE A HOME EQUITY LOAN TO PAY OFF YOUR DEBTS? 14 min read Read more Arrow Right Icon HELOC RATES TUMBLE AT THE START OF 2025; HOME EQUITY LOAN RATES RISE 3 min read HOW TO GET A HOME EQUITY LOAN WITH BAD CREDIT 11 min read WAYS TO REFINANCE YOUR HELOC 9 min read 4.3Star Icon 4.4Star Icon 3.5Star Icon All home equity reviews THESE STATES ARE INCREASING MINIMUM COVERAGE REQUIREMENTS IN 2025 4 min read Read more Arrow Right Icon HOW TO PROTECT YOUR HOME FROM PORCH PIRATES DURING THE HOLIDAY SEASON 6 min read DOES HOMEOWNERS INSURANCE COVER YOU WHEN HOSTING A PARTY? 7 min read HITTING THE ROAD FOR THE HOLIDAYS? 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