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CD Rates

12-Month CD
6.14%
APY View CD Rates

Savings Rates

High-Yield
10.52%
APY View Savings Rates

Money Market Rates

High-Yield MMA
6.00%
APY View Money Market Rates

Mortgage Rates

30-Year Fixed
5.25%
APR View Mortgage Rates

Checking Rates

High-Yield Checking
10.47%
APY View Checking Rates

Credit Card Rates

Lowest APR
3.99%
APR View Credit Cards

Personal Loan Rates

Lowest APR
3.99%
APR View Personal Loan Rates

Auto Loan Rates

New Auto Loan
1.99%
APR View Auto Loan Rates

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Money & Life

Housing Affordability
Fall 2026 Housing Affordability Report: 30-Year Mortgage Rates Top 7%, Every State Less Affordable
Oct 29, 2026 Read the Report
Reader Survey
MonitorBankRates Reader Survey: Half of Savers Say Their Bank Still Has Not Raised Their Rate After the September Fed Hike
Oct 6, 2026 See the Results
Reader Survey
MonitorBankRates Reader Survey: 84% of Readers Plan to Move Money to a Higher-Yield Account After the September Fed Rate Increase
Sep 24, 2026 See the Results
Car Insurance
Fall 2026 Car Insurance Burden Report: Louisiana Households Pay Triple New Hampshire's Share of Income
Sep 3, 2026 Read the Report
Housing Affordability
Summer 2026 Housing Affordability Report: Mortgage Rates Climbed, 50 of 51 States Less Affordable
Aug 25, 2026 Read the Report
Student Loans
The Student Loan Squeeze Is Worst for the Young and the Old
May 30, 2026 View Article
City Rankings
The Best (and Worst) Cities to Be Young and Broke
May 13, 2026 View Article

National Rate Trends

Average rates tracked across 8,500+ banks and credit unions — updated nightly

30-Year Fixed
7.178%
APR
▼ -0.076 this week
15-Year Fixed
6.731%
APR
▼ -0.068 this week
5/1 ARM
6.856%
APR
▼ -0.032 this week
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Today’s Best Rates

Best available rates from 8,500+ banks and credit unions — compared to national average

Featured Annual Rankings

Health & Safety Rankings

MONITORBANKRATES HEALTHIEST SMALL CREDIT UNIONS 2026
2026 Annual Ranking

100 Healthiest Small Credit Unions

Our 2026 ranking of the strongest small credit unions ($50M–$500M in assets), based on Texas Ratio data from NCUA call reports, with MBR Star Rating and Health Grade for each institution.

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MONITORBANKRATES HEALTHIEST SMALL BANKS 2026
2026 Annual Ranking

100 Healthiest Small Banks

Our 2026 ranking of the strongest small banks ($50M–$500M in assets), based on Texas Ratio data from FDIC call reports, with MBR Star Rating and Health Grade for each institution.

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Weekly Average Rates News

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Personal Loan Rates
Average Personal Loan Rates: 11.140% | November 4, 2026
Nov 4, 2026 Read Personal Loan Report
Auto Loan Rates
Average Auto Loan Rates: Used Car Rates at 6.741% | November 4, 2026
Nov 4, 2026 Read Auto Loan Rate Report
Checking Rates
Average Checking Rates: Rewards at 2.090% | November 4, 2026
Nov 4, 2026 Read Checking Rate Report
Money Market Rates
Average Money Market Rates: High-Yield at 3.096% | November 4, 2026
Nov 4, 2026 Read Money Market Report
Home Equity Rates
Average HELOC and Home Equity Loan Rates: 7.208% and 6.905% | November 4, 2026
Nov 4, 2026 Read Home Equity Report
Mortgage Rates
Average Mortgage Rates: 30-Year APR at 7.237% | November 2, 2026
Nov 2, 2026 Read Mortgage Rate Report
Savings Rates
Average Savings Rates: High-Yield at 2.046% | November 2, 2026
Nov 2, 2026 Read Savings Rate Report
CD Rates
Average CD Rates: 12-Month CD at 3.012% | November 2, 2026
Nov 2, 2026 Read CD Rate Report

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Personal Finance Resources

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Frequently Asked Questions

Common questions about comparing bank rates, deposits, and loans

What is APY and why does it matter for savings accounts and CDs? +
APY stands for Annual Percentage Yield. It reflects the total amount of interest you earn in one year, including the effect of compounding. Unlike a simple interest rate, APY accounts for how frequently interest is added to your balance — daily, monthly, or quarterly. When comparing savings accounts, money market accounts, or CDs, always use the APY to make an apples-to-apples comparison. A higher APY means more money in your pocket at the end of the year.
Are online banks safe? Are deposits FDIC insured? +
Yes. Legitimate online banks are insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, per institution — the same protection offered by traditional brick-and-mortar banks. Credit unions carry equivalent protection through the NCUA (National Credit Union Administration). Before opening an account, you can verify a bank's FDIC status at fdic.gov and a credit union's NCUA status at ncua.gov. MonitorBankRates only displays rates from FDIC- and NCUA-insured institutions.
How often do bank rates change, and how do I find the best rate today? +
Bank rates can change daily, weekly, or monthly depending on the institution and the Federal Reserve's monetary policy. When the Fed raises or lowers the federal funds rate, banks and credit unions typically adjust their deposit and loan rates within days or weeks. MonitorBankRates pulls verified rate data directly from institutions continuously, so the rates displayed on our comparison tables reflect current, real offers — not teaser rates or outdated averages.
What is the difference between a savings account and a money market account? +
Both are deposit accounts that earn interest, but money market accounts (MMAs) typically offer higher rates in exchange for higher minimum balance requirements. MMAs may also come with check-writing privileges or a debit card, while traditional savings accounts usually do not. High-yield savings accounts from online banks can sometimes match or exceed MMA rates with lower minimums. The best choice depends on your balance, how often you need access to funds, and whether check-writing is important to you.
What CD term length offers the best rate? +
Historically, longer CD terms (such as 24-month, 36-month, or 60-month) offered higher rates to compensate for locking up your money longer. However, in a falling-rate environment, shorter terms (3-month, 6-month, or 12-month CDs) can sometimes offer comparable or better rates as institutions compete for deposits. MonitorBankRates tracks rates across all standard CD terms so you can compare yields side by side and choose the term that balances rate with your liquidity needs.
How do I compare mortgage rates effectively? +
When comparing mortgage rates, focus on the APR (Annual Percentage Rate) rather than just the interest rate. The APR includes lender fees, points, and other costs rolled into a single annual figure, making it easier to compare true loan costs across lenders. Also consider the loan term (15-year vs. 30-year), whether the rate is fixed or adjustable, and your down payment amount — all of which affect the rate you qualify for. Getting quotes from at least three lenders on the same day gives the most accurate comparison.