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icon real estate caret 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 daily mortgage rates archive 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 knowing what to look for in a real estate agent is critical here s how to choose the best fit for your needs choosing an agent get guidance home affordability calculator cost of living calculator 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 icon all investing investing caret right icon retirement caret right icon financial advising caret 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 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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 points and miles 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 icon all loans personal loans caret right icon auto loans caret right icon student loans caret right icon small business loans caret 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 icon all home equity heloc caret right icon home equity loans caret 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 icon all insurance auto insurance caret right icon home insurance caret right icon life insurance caret right icon tools reviews caret right icon explore all insurance resources arrow right icon caret left icon insurance compare rates car insurance quotes best car insurance companies cheapest car insurance companies compare car insurance rates popular states california florida texas ohio auto insurance by state how much is car insurance average cost of car insurance car insurance resources learn more about car insurance compare rates home insurance quotes best home insurance companies cheapest home insurance companies best home and auto bundles popular states california florida texas new jersey home insurance by state home insurance cost average cost of home insurance home insurance resources learn more about home insurance compare rates life insurance quotes best life insurance companies cheapest life insurance companies best whole life insurance get guidance globe life insurance review colonial penn insurance review ladder life insurance review ethos life insurance review erie insurance review life insurance cost average cost of life insurance life insurance resources learn more about life insurance calculators car insurance calculator home insurance calculator life insurance calculator get guidance allstate insurance review progressive insurance review state farm insurance review travelers insurance review lemonade insurance review all insurance company reviews browse insurance carrier reviews pet insurance resources learn more about pet insurance explore all insurance resources arrow right icon bankrate search icon close x icon closenav closesearch class is active isnavopen el dataset showonsearch 1 issearchopen closenav closesearch class is active isnavopen el dataset showonsearch 1 issearchopen submit search icon rates up icon popular searches mortgage rates balance transfer credit cards car insurance quotes calculator icon tools mortgage calculator loan calculator cd calculator healthier wallet happier you level up your financial wellbeing with bankrate s expert tools and guidance cd icon cd rates rates up icon high yield savings mortgage icon home purchase credit card icon credit cards home equity icon home equity dollar reload icon home refinance invest portfolio icon investing loan icon personal loans bankrate data report the workforce is broken and women are paying for it america won t see pay equality between women and men for decades according to a new bankrate analysis a closer look at why and what you can do about it read the series bankrate helps millions of people do more with their money 48 years in personal finance 50 in house financial experts 200 money tools calculators cds savings 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 3 66 vs nat avg 1 73 view 6 month cd rates arrow right icon term 1 year apy 3 77 vs nat avg 1 81 view 1 year cd rates arrow right icon term 5 year apy 3 68 vs nat avg 1 97 view 5 year cd rates arrow right icon average annual percentage yield featured on bankrate as of november 8 2025 current cd trends top offers on bankrate for a one year cd are currently 1 81 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 8 2025 national average is determined by bankrate s comprehensive national survey of savings accounts and cds 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 3 94 vs nat avg 3 31 view savings rates arrow right icon type money market apy 3 90 vs nat avg 3 44 view money market rates arrow right icon average annual percentage yield featured on bankrate as of november 8 2025 current savings trends top offers on bankrate are currently 3 31 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 8 2025 national average is determined by bankrate s comprehensive national survey of savings accounts and cds 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 sarah foster arrow right icon principal u s economy reporter alex gailey arrow right icon data reporter analyst mark hamrick arrow right icon senior economic analyst featured by names you know and trust 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 latest in caret down icon caret up icon everything banking mortgages credit cards investing personal loans home equity insurance taxes how to get a low interest loan in 7 steps 5 min read read more arrow right icon what is an unsecured loan personal loans 6 min read what is the apr on a personal loan personal loans 6 min read when to use a personal loan to pay off credit card debt debt 5 min read 4 7 star icon 4 1 star icon 4 7 star icon all banking reviews banks that have cut or eliminated overdraft fees 6 min read read more arrow right icon the fed makes a second interest rate cut here s what will and won t change for your money 8 min read fed s interest rate history the federal funds rate from 1981 to the present 13 min read 8 ways to avoid monthly checking fees 6 min read 4 7 star icon 4 1 star icon 4 7 star icon all banking reviews mortgage rates rise a bit reversing course 3 min read read more arrow right icon reasons not to tap your home equity 10 min read mortgage brokers what they do and how they help homebuyers 9 min read mortgage rate history 1970s to 2025 4 min read 4 9 star icon 4 6 star icon 4 6 star icon all mortgage reviews how to get cash from a credit card at the atm 5 min read read more arrow right icon current credit card interest rates 6 min read why did my interest rate go up on my credit card 7 min read bankrate s 2025 holiday spending report 10 min read wells fargo active cash card 4 3 star icon chase sapphire preferred card 4 8 star icon capital one savorone cash rewards credit card 5 0 star icon all credit card reviews these financial planners have a message for women you re in charge 6 min read read more arrow right icon 10 best low risk investments in 2025 9 min read best brokerage account bonuses in 2025 5 min read what do the fed s rate cuts mean for stocks crypto and other investments 6 min read 5 0 star icon 5 0 star icon 3 5 star icon all investing reviews how to get a low interest loan in 7 steps 5 min read read more arrow right icon what is an unsecured loan 6 min read what is the apr on a personal loan 6 min read what is the average personal loan rate for november 2025 6 min read 4 7 star icon 4 8 star icon 4 7 star icon all personal loans reviews helocs drop to 2023 lows home equity loans hold steady 2 min read read more arrow right icon can you get a heloc on an investment property 7 min read 8 ways to increase your home s value 11 min read reasons not to tap your home equity 10 min read 4 3 star icon 4 4 star icon 3 5 star icon all home equity reviews study americans pay 575 per month in hidden car ownership costs 11 min read read more arrow right icon not what i signed up for high insurance rates leave some homeowners with buyers remorse 5 min read does homeowners insurance cover renovations 8 min read extreme weather puts 12 7 trillion in homes at risk many underinsured 2 min read 4 5 star icon 4 2 star icon 4 4 star icon all insurance reviews 2024 2025 tax brackets and federal income tax rates 8 min read read more arrow right icon 7 ways to lower your taxable income this year and trim your 2025 tax bill 4 min read electric vehicle ev tax credit is about to expire but new irs rules offer some flexibility 3 min read 14 states have a flat tax and more states are joining them here s what it means for you 5 min read calculators for every question rates icon savings calculator mortgage icon mortgage calculator loan icon loan calculator credit card cash back icon credit card payoff cd icon cd calculator calculator icon see all calculators travel icon 2 500 vacation savings bankrate logo bankrate about about us leadership press room bankrate data center careers site map help compare rates latest news popular topics advertise with us legal privacy policy cookie 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