Merrill Lynch CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Merrill LynchToday's 12-month CD rates can be found at 1.15%, 6-month CD rates at 2.52% and 3-month CD rates at 0.75%. Current savings rates are at 1.76% and money market rates are at 1.90%. Mortgage rates today on 30-year fixed loans are around 7.44%. Credit Card rates are at 10.90%. Personal Loan rates are at 10.50%. All these rates, and more, can be found in our database of rates.

To see how these rates compare to Merrill Lynch CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Merrill Lynch, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Merrill Lynch CD rates. You can also compare Merrill Lynch savings rates, MMA rates and mortgage rates using our other rate lists.

Merrill Lynch money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Merrill Lynch? Share your experience about Merrill Lynch by leaving a review below, or read customer reviews before you decide to use Merrill Lynch.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A

Compare Merrill Lynch Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Atkins Savings B&T
Atkins Savings B&T
6-Month CD
4.55%
$1,000
Compass Savings Bank
Compass Savings Bank
12-Month CD
4.07%
$500
Mid-America Bank
Mid-America Bank
48-Month CD
4.04%
$500
United State Bank Lewistown, MO
United State Bank Lewistown, MO
18-Month CD
3.92%
$1,000
First Internet Bank of Indiana
First Internet Bank of Indiana
36-Month CD
3.77%
$1,000
Citizens Bank & Trust Co. MN
Citizens Bank & Trust Co. MN
12-Month CD
3.55%
$2,500
FNB of Bangor
FNB of Bangor
18-Month CD
3.55%
$1,000
First Commerce Bank Lewisburg, TN
First Commerce Bank Lewisburg, TN
12-Month CD
3.50%
$1,000
Beal Bank
Beal Bank
48-Month CD
3.45%
$1,000
Itasca Bank & Trust Co.
Itasca Bank & Trust Co.
18-Month CD
3.35%
$1,000
Truliant Federal Credit Union
Truliant Federal Credit Union
60-Month CD
3.34%
$250
Heritage Bank of St Tammany
Heritage Bank of St Tammany
60-Month CD
3.30%
$500
First Federal S&L of McMinnville
First Federal S&L of McMinnville
24-Month CD
3.25%
$500
Primebank
Primebank
60-Month CD (Step Up)
3.25%
$1,000
Truliant Federal Credit Union
Truliant Federal Credit Union
36-Month CD
3.24%
$250
Versailles S&L Co.
Versailles S&L Co.
24-Month CD
3.08%
$1,000
Headwaters State Bank
Headwaters State Bank
60-Month CD
3.02%
$1,000
Frost Bank
Frost Bank
12-Month CD
2.95%
$1,000
Citizens State Bank Moundridge, KS
60-Month CD
2.80%
$1,000
1st Colonial Community Bank
1st Colonial Community Bank
24-Month CD
2.69%
$500
Washita State Bank
Washita State Bank
24-Month CD
2.58%
$1,000
First Harvest Federal Credit Union
First Harvest Federal Credit Union
60-Month CD
2.50%
$1,000
MVSB
24-Month CD
2.50%
$500
Union County Savings Bank Elizabeth, NJ
Union County Savings Bank Elizabeth, NJ
48-Month CD
2.35%
$500
First State Bank Tahlequah, OK
First State Bank Tahlequah, OK
48-Month CD
2.25%
$1,000
Haviland State Bank
Haviland State Bank
Alliance Money Market
2.22%
$2,500
Jovia Federal Credit Union
Jovia Federal Credit Union
24-Month CD
2.00%
$100
G. W. Jones Exchange Bank
G. W. Jones Exchange Bank
24-Month CD
1.61%
$500
FirstBank of Nebraska
FirstBank of Nebraska
Health Savings
1.51%
$100,000
First National Bank in Amboy
First National Bank in Amboy
60-Month CD
1.22%
$1,000
Parkway Bank and Trust Company
Parkway Bank and Trust Company
24-Month CD
1.10%
$1,000
Citizens State Bank Sheldon, IA
Citizens State Bank Sheldon, IA
Ultra Money Market
1.00%
$100,000
AbbyBank
AbbyBank
6-Month CD
0.75%
$1,500
Rondout Savings Bank
Rondout Savings Bank
48-Month CD
0.65%
$500
Bank of Botetourt
Bank of Botetourt
24-Month CD
0.65%
$500
Windsor Federal S&L
Windsor Federal S&L
60-Month CD
0.50%
$1,000
Timberland Bank
Timberland Bank
Non-Profit Money Market
0.50%
$0
Ballston Spa National Bank
Ballston Spa National Bank
30-Month CD
0.45%
$500
Triad Bank, N.A.
Triad Bank, N.A.
3-Month CD
0.40%
$1,000
FLC Bank
FLC Bank
12-Month CD
0.35%
$2,000
CNB of Park Rapids
CNB of Park Rapids
Statement Savings
0.30%
$10
Collinsville Building and Loan Association
Collinsville Building and Loan Association
48-Month CD
0.25%
$500
Community Bank of Elmhurst
Community Bank of Elmhurst
60-Month CD
0.20%
$500
First Hope Bank
First Hope Bank
24-Month CD
0.20%
$2,500
State Bank of Southern Utah
State Bank of Southern Utah
Savings
0.20%
$0
PeoplesBank
PeoplesBank
18-Month CD
0.15%
$1,000
First Commonwealth Bank
First Commonwealth Bank
Hometown Savings
0.10%
$0
Greeneville Federal Bank
Greeneville Federal Bank
Savings
0.07%
$100
BankOrion
BankOrion
Money Market
0.05%
$0
FNB of Elmer
FNB of Elmer
Money Market
0.05%
$1,000
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates January 20, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
5.375%
5.435%
0.000
5.250%
5.491%
0.000
5.300%
5.518%
0.000
5.375%
5.525%
0.750
5.125%
5.600%
0.000
5.500%
5.614%
0.000
15-Year Fixed (Power Rate)
5.847%
5.625%
0.000
5.500%
5.654%
0.000
5.625%
5.673%
0.000
30-Year Fixed
5.560%
5.730%
0.000
5.750%
5.756%
0.000
15-Year Fixed
5.500%
5.785%
0.000
5.750%
5.793%
0.000
5.750%
5.801%
0.000
15-Year Fixed
5.750%
5.806%
0.000
10-Year Fixed (Power Rate)
5.500%
5.814%
0.000
5.500%
5.820%
0.000
5.750%
5.834%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Our apologies, we do not have Merrill Lynch rate data right now, check back for updates, we are adding rates all the time.

The Financial Crisis, Great Recession, Deposit Rates, Unemployment Rate and the Federal Reserve

Everyone who has opened a savings account, money market account, or a certificate of deposit account over the past 6 years has seen how low interest rates have fallen. If you had a long term certificate of deposit mature recently, you've been shocked by how low CD rates are on both short and long term CDs. This long cycle of low interest rates was started by the financial crisis of 2007 and the Great Recession that followed in 2008.

Housing Bubble Bursting Sends Federal Funds Rate to 0.00%

The cycle of events started with the housing bubble bursting which brought on the crisis with the mortgage-backed securities market. This caused ripples throughout the brokerage industry, Lehman Brothers failed, Bear Stearns was about to fail but the government stepped in and negotiated a deal to have JPMorgan buy Bear Stearns for $1.     Read more...

First Republic Bank 5 month CD Rate

First Republic Bank is offering a promotional 5 month certificate of deposit that currently has an annual percentage rate (APR) of 2.23% and an annual percentage yield (APY) of 2.25%. The minimum deposit is $5,000. This rate is current as of March 18th, 2009.First Republic Bank is a private bank and wealth management company and a division of Merrill Lynch Bank & Trust Co (FDIC Cert: 34571). In addition to offering deposit accounts, the bank also offers lending services, business banking services, brokerage services and trust services. The bank has locations in San Francisco, Los Angeles, Santa Barbara, Newport Beach, San Diego, Las Vegas, Portland, Seattle, Boston and New York City.     Read more...

Explore Other Rate Deals

Mortgage rates are mixed this week, no big change in mortgage rates this week over last week. Hopefully the budget deal that was reached yesterday will be passed by both houses sometime today. If the budget passes you can expect bond yields and mortgage rates to go even lower from current levels. 30 year conforming mortgage rates today are averaging 4.48%, unchanged from last week’s average mortgage rate. Current 15 year conforming mortgage rates are averaging 3.69%, a slight increase from last week’s average 15 year mortgage rate of 3.68.
online-savings-account-ratesIn keeping with the general trend of interest rates on online savings accounts accounts going down, ETrade's Savings account rate decreases.
Current record low mortgage rates has been a godsend for homeowners refinancing and for home buyers. Unfortunately record low interest rates also means record low CD rates and savings rates. The Federal Reserve just unleashed more easing to drive interest rates even lower, the Fed also said it plans to keep the Fed funds rate near zero percent until mid 2015. This means deposit rates will stay low for at least three more years and probably longer.

Bank or Credit Union Offers and Deals

Mortgage Rates Make New Low for 2011 on Economic Woes: Today's 30 Year Mortgage Rates at 4.44%
Mortgage Rates are Higher Once Again in MBA Mortgage Survey: 30 Year Mortgage Rates at 4.84%, 15 Year Mortgage Rates at 4.21%
Current Mortgage Refinance Rates - May 4, 2010
CD Rates July 20, 2012: Best CD Rate Now at 1.10% APY
giantbank.com Money Market Account Rates now at 0.45%
Mortgage Rates: Current 30 Mortgage Rates Make New Low for 2011
Best CD Rates from Banks & Credit Unions in San Francisco, California
Mortgage Rates Break Record Lows Again: 30 Year Mortgages @ 4.54%, 15 Year Mortgage Rates @ 4.00%
ableBanking, a division of Northeast Bank 6 Month CD Rates now at 0.80%
Top 25 Twelve Month CD Rates as of 2/5/24

Alternative Bank and Credit Union Offers to Explore

Mortgage Rates Near 2010 High: Current 30 year Mortgage Rates at 5.17%
Mortgage Rates: Average Mortgage Rates Drop To Lowest Level 7/16
Short Term CD Interest Rates in Montpelier, Vermont
Mortgage Rates April 18: Weekly Average Mortgage Rates
SunTrust Mortgage Rates
Get $50 from TradeKing
Current Average 30 Year Mortgage Rate Today at 3.66% A Record Low
GE Capital Retail Bank Increases 1 Year Bank CD Rate to 1.09% APY 1.10%
Mortgage Rates are a Critical Aspect of the Home Buying Process
Mortgage Rates Current: 30 Year Mortgage Rates at 5.17% and 15 Year Mortgage Rates at 4.55%

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