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

Submitted URL: http://www.bankrate.com/
Effective URL: https://www.bankrate.com/
Submission: On January 10 via api from US — Scanned from US

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" :tabindex="isSearchOpen ? 0 : -1" tabindex="-1" data-beam-uid="7"
        data-beam-event="change">
    </div>
    <div>
      <button type="submit" class="SiteNavSearch-submit" data-js-selector="nav-search-submit-btn" :tabindex="isSearchOpen ? 0 : -1" tabindex="-1">
        <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">
          <title>Search Icon</title>
          <path fill-rule="evenodd" clip-rule="evenodd"
            d="M10.312 1.5C5.702 1.5 2 5.28 2 10c0 4.72 3.703 8.5 8.312 8.5a8.18 8.18 0 0 0 4.648-1.44l4.947 5.11c.428.44 1.125.44 1.553 0l.219-.22c.428-.38.428-1.1 0-1.54l-4.917-5.03A8.611 8.611 0 0 0 18.623 10c0-4.72-3.753-8.5-8.311-8.5Zm0 2.19c3.374 0 6.161 2.85 6.161 6.31 0 3.46-2.787 6.31-6.161 6.31-3.375 0-6.162-2.85-6.162-6.31 0-3.46 2.737-6.31 6.162-6.31Z"
            class="icon-base"></path>
        </svg></button>
    </div>
  </div>
</form>

Text Content

Skip to Main Content
Bankrate
 * Banking Caret Right Icon
   Caret Left IconAll
   Banking
   Checking & savingsCaret Right Icon CDsCaret Right Icon Money marketCaret
   Right Icon BanksCaret Right Icon
   Explore all banking resources Arrow Right Icon
   Caret Left Icon 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 6-month CD rates
    * Best 1-year CD rates
    * Best 5-year 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
   
   Unlock financial rewards by signing up for a savings or checking account with
   a bonus offer.
   
   Best bank bonuses
   
   Get guidance
   
    * Best banks of 2025
    * Best online banks
    * Bank reviews
    * Federal Reserve news
   
    * Capital One review Our take on Capital One Bank
    * Marcus review Our take on Marcus by Goldman Sachs
   
   Explore all banking resources Arrow Right Icon
 * Mortgages Caret Right Icon
   Caret Left IconAll
   Mortgages
   PurchaseCaret Right Icon RefinanceCaret Right Icon Real estateCaret Right
   Icon
   Explore all mortgages resources Arrow Right Icon
   Caret Left Icon Mortgages
   
   
   Compare rates
   
    * Mortgage rates
    * 30-year mortgage rates
    * 15-year mortgage rates
    * VA loan rates
   
   Get guidance
   
    * Mortgage calculator
    * Amortization calculator
    * Mortgage rate news
    * Best mortgage lenders
    * Read lender reviews
   
    * How to get a mortgage 11 min read
    * First-time homebuyer programs 11 min read
   
   Compare rates
   
    * Refinance rates
    * Cash-out refinance rates
    * 30-year refinance rates
    * 15-year refinance rates
   
   Get guidance
   
    * Mortgage refinance calculator
    * Best refinance lenders
    * Best cash-out refinance lenders
    * Mortgage refinance resources
   
    * How to refinance your mortgage 12 min read
    * Cash-out refinancing guide 9 min read
   
   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?
    * Real estate resources
   
    * Buying a home 12 min read
    * Selling a home 10 min read
   
   Explore all mortgages resources Arrow Right Icon
 * Investing Caret Right Icon
   Caret Left IconAll
   Investing
   InvestingCaret Right Icon RetirementCaret Right Icon Financial advisingCaret
   Right Icon
   Explore all investing resources Arrow Right Icon
   Caret Left Icon Investing
   
   
   Compare investments
   
    * Best investments
    * Best index funds
    * Best long-term investments
    * Best short-term investments
   
   Get guidance
   
    * All investing calculators
    * Brokerage reviews
    * Robo-advisor reviews
    * Low risk investments
    * Tax resources
   
    * Passive income ideas 26 min read
    * How to start investing 7 min read
   
   Compare plans
   
    * Best retirement plans
    * Best IRA accounts
    * Best Roth IRA accounts
    * Best 401(k) rollover options
   
   Get guidance
   
    * 401(k) calculator
    * Retirement plan calculator
    * Roth IRA calculator
    * All retirement calculators
    * Retirement resources
   
    * Best & worst states for retirement 6 min read
    * How to save for retirement 15 min read
   
   Finding an advisor
   
    * Find a financial advisor
    * Best financial advisors
    * How to choose a financial advisor
    * Financial planner vs advisor
   
   Get guidance
   
    * What is financial planning?
    * What is a fiduciary?
    * What is a CFP?
    * What is wealth management?
    * Financial advisor resources
   
    * When to get an advisor 4 min read
    * Pros & cons of financial advising 7 min read
   
   Explore all investing resources Arrow Right Icon
 * Credit cards Caret Right Icon
   Caret Left IconAll
   Credit cards
   Cards by categoryCaret Right Icon Cards by creditCaret Right Icon Tools &
   reviewsCaret Right Icon Guides & resourcesCaret Right Icon
   Explore all credit cards resources Arrow Right Icon
   Caret Left Icon Credit cards
   
   
   Compare cards
   
    * Best cards of 2025
    * 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 my matches
   
    * 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
   
    * Spender type tool Find cards that fit your needs
   
   Get advice
   
    * Credit cards 101
    * Balance transfer advice
    * Zero interest credit cards
    * Rewards credit card advice
    * Cash back credit card advice
    * Travel credit card advice
    * Business credit card advice
   
   Build credit
   
    * Advice for bad credit
    * Rebuilding credit score
   
   Explore all credit cards resources Arrow Right Icon
 * Loans Caret Right Icon
   Caret Left IconAll
   Loans
   Personal loansCaret Right Icon Auto loansCaret Right Icon Student loansCaret
   Right Icon Small business loansCaret Right Icon
   Explore all loans resources Arrow Right Icon
   Caret Left Icon Loans
   
   
   Compare lenders
   
    * Best personal loans
    * Best personal loans for bad credit
    * Best debt consolidation loans
    * Best home improvement loans
   
   Get guidance
   
    * Personal loan resources
    * Personal loan lender reviews
    * Personal loans calculator
    * Average personal loan interest rates
   
    * Personal loan basics 9 min read
    * How to get a personal loan 11 min read
   
   Compare lenders
   
    * Best auto loans
    * Best auto loan refinance rates
    * Best car loans for bad credit
   
   Get guidance
   
    * Auto loan resources
    * Auto loan lender reviews
    * Auto loan calculator
    * Auto loan refinancing guide
   
    * How to get the best auto loan rate 10 min read
    * Auto loan basics 5 min read
   
   Compare lenders
   
    * Student loan rates
    * Student loan refinancing rates
    * Best private student loans
    * Best bad credit student loans
   
   Get guidance
   
    * Student loan resources
    * Student loan lender reviews
    * Student loan calculator
    * Student loan refinance calculator
   
    * Private student loan basics 10 min read
    * How to get a student loan 11 min read
   
   Compare lenders
   
    * Best small business loans
    * Bad credit small business loans
    * Business lines of credit
    * Small business loan banks
   
   Get guidance
   
    * Small business loans resources
    * Small business loan reviews
    * Small business loan calculator
   
    * How small business loans work 9 min read
    * How to get a business loan 9 min read
   
   Explore all loans resources Arrow Right Icon
 * Home equity Caret Right Icon
   Caret Left IconAll
   Home equity
   HELOCCaret Right Icon Home equity loansCaret Right Icon
   Explore all home equity resources Arrow Right Icon
   Caret Left Icon Home equity
   
   
   HELOC
   
   A HELOC is a variable-rate line of credit that lets you borrow funds for a
   set period and repay them later.
   
   HELOC Rates
   
   Home equity basics
   
    * Best HELOC lenders
    * HELOC calculator
    * What is a HELOC?
    * Pros and cons of HELOCs
    * Home equity lender reviews
   
    * What is home equity? 8 min read
    * How to calculate home equity 6 min read
   
   Home equity loans
   
   Home equity loans let you borrow a lump sum at a fixed rate, based on how
   much of the home you own outright.
   
   Home equity loan rates
   
   Get guidance
   
    * What is a home equity loan?
    * Home equity loan pros and cons
    * Home equity loan requirements
    * HELOC vs home equity loan
    * How to build home equity
   
    * Best home equity loan lenders Compare top home equity lenders
    * Home equity calculator Calculate how much you can borrow
   
   Explore all home equity resources Arrow Right Icon
 * Insurance Caret Right Icon
   Caret Left IconAll
   Insurance
   Auto insuranceCaret Right Icon Home insuranceCaret Right Icon Life
   insuranceCaret Right Icon
   Explore all insurance resources Arrow Right Icon
   Caret Left Icon Insurance
   
   
   Compare rates
   
    * Best car insurance companies
    * Cheapest car insurance companies
    * Compare car insurance rates
    * How much is car insurance?
   
   Get guidance
   
    * Allstate insurance review
    * Erie insurance review
    * Progressive insurance review
    * State Farm insurance review
    * All insurance company reviews
   
    * Auto insurance by state Compare rates in your state
    * Car insurance resources Learn more about auto insurance
   
   Compare rates
   
    * Best home insurance companies
    * Cheapest home insurance companies
    * Home insurance quotes
    * How much is homeowners insurance?
   
   Get guidance
   
    * Kin insurance review
    * Hippo insurance review
    * Lemonade insurance review
    * Citizens insurance review
   
    * Home insurance by state Compare rates in your state
    * Home insurance resources Learn more about home insurance
   
   Compare companies
   
    * How much does life insurance cost?
    * Best life insurance companies
    * Life insurance quotes
    * Cheapest life insurance companies
   
   Get guidance
   
    * Globe Life insurance review
    * Colonial Penn insurance review
    * Ladder life insurance review
    * Ethos life insurance review
   
    * Life insurance calculator How much do you need?
    * Life insurance resources Learn more about life insurance
   
   Explore all insurance resources Arrow Right Icon

Bankrate
Search IconClose X Icon



Submit Search Icon




HEALTHIER WALLET, HAPPIER YOU

Level up your financial wellbeing with Bankrate’s expert tools and guidance.

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? WHAT TO KNOW ABOUT CAR INSURANCE AND ROAD
TRIPS

5 min read
4.5Star Icon
4.2Star Icon
4.4Star Icon
All insurance reviews


CALCULATORS FOR EVERY QUESTION

 * Rates IconSavings calculator
 * Mortgage IconMortgage calculator
 * Loan IconLoan calculator
 * Credit Card Cash Back IconCredit card payoff
 * CD IconCD calculator
 * Calculator IconSee all calculators

Travel Icon
$2,500
Vacation savings


BANKRATE LOGO BANKRATE


ABOUT

 * About us
 * Leadership
 * 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
 * Consumer Health Information Privacy Policy
 * 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 of 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 Icon Twitter Icon Instagram Icon LinkedIn Icon YouTube Icon Tiktok Icon

© 2025 Bankrate, LLC. A Red Ventures company. All Rights Reserved.





We use cookies and similar technologies to understand how you use our services,
improve your experience and serve you personalized content and advertising. To
manage your cookies and learn more about our use of cookies click “Cookie
Settings”.Learn more.
Cookie Settings