12-month CD rates can be found at 0.25%, 6-month CD rates at 0.19% and 3-month CD rates at 3.80%. Savings rates are at 0.05% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.50%. Credit Card rates are at 13.90%. Personal Loan rates are at 17.90%. All these rates, and more, can be found in our database of rates which you can compare to HUD rates.
Compare HUD CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of HUD savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.
HUD money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at HUD? Share your experience about HUD by leaving a review below, or read customer reviews before you decide to use HUD.
Overall, HUD is an acceptable credit union worth considering, with an overall rating of 2 stars out of 5 stars.
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.
Compare HUD Mortgage Rates with Lenders Rates for Fixed and Adjustable Mortgages
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.
Compare HUD Credit Cards with Other Competitive Bank and Credit Union Credit Cards
Suncoast Credit Union
Rewards Classic Starter VISA
16.500%
Credit Limit - $300 - $500
ABNB Federal Credit Union
VISA Preferred
12.240% - 18.000%
No annual fees or cash advance fees. Rates may vary depending on credit worthiness.
Achieve Financial Credit Union
Visa Platinum with Rewards
9.900%
Security Service Federal Credit Union
Security Service Power Cash Back World MasterCard
16.950% - 18.000%
ACFCU
College Real Rewards Card Visa
19.740% - 29.740%
Earn 1.5 points for every $1 you spend on eligible purchases (equal to 1.5% cash back)6 and work towards building a strong financial future.
1st United Credit Union
Visa Platinum Rewards
14.900%
Mountain America Federal Credit Union
Low Rate Credit Card
13.240%
Abbey Credit Union
VISA® Gold
11.960%
1st Cooperative Federal Credit Union
Visa Platinum Credit Card
8.500%
As low as 8.50%
Aberdeen Proving Ground FCU
Visa Platinum Preferred
14.240% - 17.990%
Access Federal Credit Union
Access FCU Visa Gold
9.900%
LMCU Lake Michigan Credit Union
Max Rewards Visa Credit Card
15.250%
ACFCU
Reserve Rewards+ Card Visa
19.740% - 29.740%
Enjoy premium rewards and benefits, plus receive a $500 bonus.
Canyon View Credit Union
Visa Student Rewards Card
17.990%
1st United Credit Union
Visa Platinum
13.900%
Achieve Financial Credit Union
Visa Balance Transfer
8.990%
The balance transfer rate is good only on balances transferred from non-Achieve credit cards.
Randolph Brooks FCU
Premier Rate Credit Card Mastercard
12.950% - 18.000%
Teachers Federal Credit Union
Visa Low Rate
14.000%
Aberdeen Proving Ground FCU
Visa Platinum Clarity
15.990%
360 Federal Credit Union
Visa Classic
3.990%
Introductory Rate of 3.99% APR for 12 months on transactions in the first 90 days.
Academic Federal Credit Union
Academic VISA® Classic
15.400%
ACFCU
Platinum Card Visa
18.240% - 29.240%
Platinum: 0% introductory APR for the first 18 billing cycles. After that, 18.24% to 29.24% based on your creditworthiness when you open your account.
The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.
Compare HUD Personal Loans with Other Competitive Bank and Credit Union Personal Loans
The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.
Our apologies, we do not have HUD rate data right now, check back for updates, we are adding rates all the time.
As we enter into the tenth day of a federal government shutdown, we are starting to see just how people are impacted. One area of the government shutdown that is directly affecting people are homebuyers. There are three government agencies that back mortgages for homebuyers - the Federal Housing Administration (FHA), U.S. Department of Veterans Affairs, and the U.S. Department of Agriculture.
Long Term Shutdown Will Impact Housing
The Federal Housing Administration's fulltime staff during the shutdown is only one tenth of its normal size, which means there will be delays approving loans. The FHA and the U.S. Department of Veterans Affairs account for about one in four new mortgages. Read more...
Right now on our list of the best CD rates on 1 year certificates of deposit CIT Bank and Doral Bank top our list. CIT Bank CD rates and Doral Bank's CD rates on 1 year certificates of deposit are currently at 1.14% with a yield of 1.15%. Both bank CD rates are considerably higher than current national average 12 month CD interest rate of 0.429% as reported by MonitorBankRates.com. Read more...
Navy Federal Credit Union which consistently offers some of the lowest mortgage rates today is also offering $2,500 towards closing costs. You can use the $2,500 towards closing costs or as a credit for fees paid outside of closing (i.e., appraisal fee, credit report, etc.). The $2,500 is available for home purchases and refinancing existing loans.In addition to $2,500 Navy FCU has a program to help first time home buyers. Navy FCU's First-Time Homebuyer Plus program offers up to %100 financing and no application fee. The credit union also doesn't require a down payment and up to 6% seller contribution allowed. I wonder if the credit union will allow a seller contribution and provide a loan if the home appraise for less than the loan amount. Read more...
Hudson City Savings Bank, a small Northeast bank, is offering some of the highest CD rates available right now. Hudson City Savings Bank's short term certificates of deposit are the best bang for your buck. Current 3 month bank CD rates are at 0.75% with a CD yield of .075%. That rate is three times the national average 3 month CD rate of 0.24% as reported by MonitorBankRates.com. That rate is probably also one of the best 3 month CD rates at banks available these days.We first reported on Hudson City Savings Bank's CD rates back in 2008, you can eat your heart out looking at CD rates from back then. One day CD rates will head back up to the levels of a few years ago.Other short term certificate of deposit rates that have the same rate and yield as the bank's 3 month CD include 4 month, 5 month, 6 month, 7 month and 9 month CDs. 12 month and 13 month CD interest rates are at 0.98% with a CD yield of 1.00%. Read more...
Right now Bank of Internet has the highest 12 month CD rate on our CD rates table in New Jersey. Bank of Internet is currently offering 12 month bank CD interest rates at 1.40 percent with a bank CD yield of 1.41 percent. You can find the best rates in Newark, NJ, Trenton, NJ or any other city or town in NJ by searching our rates table. Tied for second on our list of NJ 12 month CD interest rates is Discover Bank, American Express Bank and Sallie Mae Bank. All three banks are currently offering 12 month bank CD interest rates at 1.29 percent with a bank CD yields of 1.30 percent.Our 3 month NJ CD interest rates table has Hudson City Savings Bank listed as having the best 3 month CD rate. Hudson City Savings Bank's current 3 month CD interest rate is 0.75 percent with a CD interest yield of 0.75 percent. Boiling Springs Savings Bank is second on our 3 month NJ CD rate list. Boiling Springs Savings Bank's current 3 month CD rate is 0.70 percent with a 3 month CD yield of 0.70 percent. Read more...
Comparing CD rates in the State of New Jersey? You can find the highest CD rates in New Jersey by searching our CD rate tables. Right now, Bank of Internet has the best CD rate on our NJ CD rates table. Bank of Internet’s current 12 month CD interest rate is 1.40 percent with a CD yield of 1.41 percent. The minimum opening certificate of deposit account balance is $1,000.Discover Bank has the second best bank CD rate on our list in New Jersey. Discover Bank is currently offering their 12 month bank CD rate at 1.34 percent with a CD interest yield of 1.35 percent. The minimum opening deposit for a CD account at Discover is $2,500. The third highest CD interest rate on our list belongs to Ally Bank. The Bank's current 1 year CD rate is 1.31 percent with a CD yield of 1.32 percent. Ally Bank's minimum opening certificate of deposit balance is only $1. Read more...
Mortgage rates made another all-time low in this week's mortgage rates report. Record low mortgage rates can't help the housing market recover. The U.S. Census Bureau and the U.S. Department of Housing and Urban Development said new homes sales fell to their lowest level since the government started tracking new home sales 40 years ago.Current 30 year conforming mortgage rates are averaging 4.38 percent, down from an average 30 year mortgage rate of up 4.48 percent last week. If the economy continues to weaken or if we had back into a 30 year mortgage rates might hit 4.00 percent. 30 year mortgage rates were averaging 5.16 percent back in the beginning of 2010.30 year jumbo mortgage interest rates are now under 5.00 percent averaging 4.92 percent, down from last week's average 30 year jumbo mortgage rate of 5.05 percent. In January of 2010 30 year jumbo mortgage rates were averaging 5.81 percent. Read more...
The average CD rate is darn right dismal and has been for awhile now. CD rates were expected to start headed higher in 2010 but that might not happen until 2011. There has been a slew of poor economic numbers released recently that is pointing to a slowing economy.The June FOMC minutes also show the fed revised down their outlook for growth. The fed also believes inflation still isn’t a concern at this point for them to raise interest rates. CD rates won't be heading higher until we see stronger growth and the fed raises interest rates.Looking for the highest CD rates at banks and credit unions? Use our CD rate tables at CDRates.MonitorBankRates.com to find the best CD rates in your area.Read more...
Finding the best CD rates currently available isn't an easy thing to do these days since CD rates are so low. The current national average 12 month CD rate is only 0.87 percent. Longer term CD rates aren't much better. The current national average 60 month CD rate is averaging 2.25 percent.Of course you can find CD rates better than the national average rates. We have compiled a list of the best CD rates from banks and credit unions in New Jersey. Our best CD rates lists includes 3 month CD rates, 6 month CD rates and 12 month CD rates.Searching for the best CD rates? Use our CD rate tables at CDRates.MonitorBankRates.comto find the best CD rates in your area. Read more...
National average CD ratesat banks and credit unions have headed lower again this week. There doesn't seem to be any relief from these very low CD rates. If the financial crisis in Europe drags on and stops the world economic recovery we might not see any increases in interest rates until 2011.Searching for the highest CD rates? Use our CD rate tables at CDRates.MonitorBankRates.com to find the best CD rates in your area. The current average 1 year CD rate is 0.88 percent. Five year national average CD rates are only 2.28 percent. You can find bank CD rates and credit union CD rates higher than the national averages. Read more...
In this week's Certificate of Deposit Rate Report, 3 month CD rates jumped higher, the average 3 month CD rate is now 0.645 percent, up from the prior week's average CD rate of 0.499 percent.Just the opposite happened with 6 month certificate of deposit rates. The average 6 month CD rate is down to 0.538 percent this week, down from the previous week's average CD rate of 0.739 percent.6 month CD rates were the only CD term where rates fell this week over last, all other certificate of deposit terms headed higher. Let's hope the trend continues. Read more...
Hudson City Savings Bank of Paramus, New Jersey is offering two of the best bank CD rates available these days. The bank is offering a three year certificate of deposit with an annual percentage yield of 3.00 percent and a two year certificate of deposit with an annual percentage yield (APY) of 2.50 percent.Both the two year CD rate and the three year CD rate are well above the national average rate. Currently the national average two year CD rate is 1.60 percent and the three year average CD rate is 1.91 percent.The minimum opening deposit for both certificate of deposit accounts is $5,000. Interest earned on the certificate of deposit is compounded daily and credited on the last business day of the month and on the Certificate of Deposit maturity date. Read more...
Earlier this week the U.S. Treasury Department issued a press release saying that 500,000 mortgage loans have been modified under the Making Homes Affordable Program.The 500,000 mortgage loan modification goal was set in July of 2009 and was achieved ahead of the November 1, 2009 goal date. Read more...
Home loans from the Federal Housing Administration (FHA) are available for home buyers who meet certain standard FHA credit qualifications.Mortgage rates on FHA loans are comparable to conforming mortgage rates but there are upfront fees on FHA mortgages that increase the cost of the home loan.
Mortgage Rates: We have all seen rates offered as APY or APR. APY means annual percentage yield and APR means annual percentage rate. The different between the two is compounding interest.
Compounding interest can be interest you earn on-top of interest you already earned, like on certificates of deposit. The more frequently interest is compounded the higher the APY will be.
On mortgages, the rate is interest you pay, just like on deposit products, the more interest is compounded the higher the APY will be. Though in this case you'll end up paying more for a loan that compounds more often. Banks and lending institutions usually publish the APY or APR that makes the rate of return higher in the case of deposit products and lower in the case of loans.
$8,000 First-Time Home Buyer Tax Credit for Down Payments on FHA Loans? The Department of Housing and Urban Development (HUD) account last week that first time home buyers would be able to use the $8,000 "first-time home buyer tax credit" for down payments on FHA loans through the use of bridge loans.The Department of Housing and Urban Development posted the information on their website in HUD Mortgagee Letter 09-15. For some reason they have completely removed the information from their website. People are speculating that the program is on hold because they have decided to make changes to the program.While no official explanation has been given, it appears that The Department of Housing and Urban Development and the Internal Revenue Service are researching the details of the program, leaving the status unknown for now. Read more...
Foreclosures are more common these days, finding a foreclosed property to buy has become a lot easier than it was during the housing bubble. When home prices were increasing in the double digits annually and anyone could qualify for a mortgage , the supply of foreclosed homes was low.Now the the housing bust has arrived in full force, the supply of California foreclosures, Florida foreclosures and Texas foreclosures has gone through the roof. Foreclosures in other states are not that plentiful as those three states but finding one is still easy in any state.There are several ways to find a foreclosed property, you can go to an auction, buy directly from a bank, from government entities such as Fannie Mae and Freddie Mac. The Department of Housing and Urban Development has a list of government entities that sell foreclosed homes. Read more...
Amerisave is offering a 30-year mortgage rate of 4.00%. We were quoted the 4.00% mortgage rate for a 30-year fixed rate mortgage of $400,000 on a home purchase of $500,000 ( 20 percent down payment) in the state of Florida. The annual percent rate (APR) on this loan is 4.394%. The monthly mortgage payments on this loan is $1,910.To receive this low rate we had to buy down the rate with discount points. Points can be used to buy down a mortgage rate, each point is equal to one percent of the value of the loan. When you buy down the mortgage rate you have to pay more upfront, but the cost can be rolled into the loan. Keep in mind you might pay a higher interest rate on a mortgage or private mortgage insurance (PMI) if you exceed the 20% loan-to-value (LTV) ratio.With this quote we would have paid $18,392 in closing costs, this amount also includes the discount points we paid to buy down the loan rate. We also received 30-year mortgage quotes for 20 different discount point options. You can also receive money at closing if you're willing to have a higher mortgage rate. If you plan to stay in your home a long time it would be better to buy down the mortgage rate to the lowest level possible, you would save a ton of money over the life of the loan. Read more...
Finding a decent rate on a savings account isn't an easy thing to do these days. Savings account rates have been decreasing for over a year now, falling as fast as the economy.Monitor Bank Rates will post a great rate being offered by a bank and in less than a month the rate posted by the bank will have decreased on average of over one percent.Over a year ago one could find online savings account rates around five percent. That's changed since the Feds have been lowering rates. Most savings account rates are in the three percent to four percent range. Read more...
The current economic crunch is changing the savings habits of the average American. Certificate of deposit rates have been coming down, but the U.S. savings rate has been going up. The savings rate is now 3.6%, up from 2.8% in November last year. While one year certificate of deposit rates are averaging a low of about 2.0%, a year ago you could find one year certificate of deposit rates of up to 5.0%.The near record low CD rates are mainly due to the Federal Reserve Bank lowering the Federal Funds Rate ( the interest rate which banks lend their funds deposited at the Federal Reserve to other banks usually overnight) to historic lows. The current Fed Funds rate is targeted between 0% and 0.25%. Also contributing to the low deposit rates on certificate of deposits and savings accounts is the Troubled Asset Relief Program (TARP). Banks are funding their reserves by participating in TARP so they have less of a need to lure depositors with those special high interest promotional CD rates.The high savings rate is mainly due to the majority of the people opting to save rather than to spend. People are socking away money because they are scared of the current economic crises. With this trend, financial experts expect the saving rate to increase to double digits by the end of the year. It’s interesting to note that at the height of the housing bubble in 2005, the savings rate was negative. If you were a home owner your net worth was increasing by leaps and bounds as the value of your home increased so there was no incentive to save money. Read more...
Hudson City Savings Bank of Paramus, New Jersey, is offering their "Internet Money Market Savings account" which currently has an annual percentage yield (APY) of 2.40%. The minimum opening deposit is $2,500. Read more...
Hudson City Savings Bank of Paramus, New Jersey, if offering three of the best CD rates available today. The first is a 1 year promo certificate of deposit with a an annual percetage yield (APY) of 2.75%. The minimum deposit is $5,000. Read more...
The Federal Reserve Bank has put together a list of government agencies that can help you if you are facing foreclosure on your home. They stress that you seek assistance if you are facing foreclosure."If you are having difficulty making your mortgage payment, one of the most important things you can do is seek assistance. The following resources provide information and links to agencies and organizations that may be able to help you."Here is the list of agencies that can help you if you are in danger of losing your home to foreclosure. Read more...
Hudson City Savings Bank of Paramus New Jersey is offering their Internet Money Market Savings Account that has a 3.25% APY for balances of $2,500 and up. The minimum opening balance is also $2,500. The annual percentage yield for balances under $2,500 is only 1.50%.The following information is needed to open an account online:
Hudson City Savings Bank of Paramus New Jersey is offering some of the best CD rates for a 5 month certificate of deposit, 91 day certificate of deposit and a 12 month certificate of deposit. The 5 month CD rate is 3.68% with an annual percentage yield of 3.75%, the 91 day CD rate is 3.16% with an APY of 3.20% and the 12 month CD rate is 3.39% with an APY of 3.50%. The minimum balance on all CDs is $5,000.
You can sign up for an account online here in 10 minutes. You will also need the following information: Read more...
Maspeth Federal Savings, headquartered in Maspeth, New York, is offering some of the highest bank CD rates available today. The bank is advertising bank CD rates for Individual Retirement Account (IRA) certificates of deposit and regular certificates of deposit. Terms for both types of certificates of deposit range between 6 months to 60 months.
Five Star Bank has two new online CD rate specials which are some of the best CD rates available today. The best deal for your money is Five Star Bank's 8-month CD rate at 1.71 percent with an APY of 1.72 percent. Other special CD rates from Five Star Bank include 13-month CD rates at 1.59 percent with an APY of 1.60 percent. 60-month CD rates are at 1.19 percent with an APY of 1.20 percent. 60-month IRA CD rates are at 1.14 percent with an APY of 1.15 percent, and 3-month CD rates are only at 0.05 percent with an APY of 0.05 percent. The minimum opening balance for all CD accounts at Five Star Bank is $500.
12-month CD rates can be found at 0.25%, 6-month CD rates at 0.19% and 3-month CD rates at 3.80%. Savings rates are at 0.05% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.50%. Credit Card rates are at 13.90%. Personal Loan rates are at 17.90%. All these rates, and more, can be found in our database of rates which you can compare to 
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Right now Bank of Internet has the highest 12 month CD rate on our 
Comparing CD rates in the 
Mortgage rates
In this week's Certificate of Deposit Rate Report, 3 month CD rates jumped higher, the average 3 month CD rate is now 0.645 percent, up from the prior week's average 
Hudson City Savings Bank of Paramus, New Jersey is offering two of the 
Earlier this week the U.S. Treasury Department issued a press release saying that 500,000 mortgage loans have been modified under the Making Homes Affordable Program.The 500,000 mortgage loan modification goal was set in July of 2009 and was achieved ahead of the November 1, 2009 goal date. 
Home loans from the Federal Housing Administration (FHA) are available for home buyers who meet certain standard FHA credit qualifications.Mortgage rates on FHA loans are comparable to conforming mortgage rates but there are upfront fees on FHA mortgages that increase the cost of the home loan.
Mortgage Rates: We have all seen rates offered as APY or APR. APY means annual percentage yield and APR means annual percentage rate. The different between the two is compounding interest. 
$8,000 First-Time Home Buyer Tax Credit for Down Payments on FHA Loans? The Department of Housing and Urban Development (HUD) account last week that first time home buyers would be able to use the $8,000 "first-time home buyer tax credit" for down payments on FHA loans through the use of bridge loans.The Department of Housing and Urban Development posted the information on their website in HUD Mortgagee Letter 09-15. For some reason they have completely removed the information from their website. People are speculating that the program is on hold because they have decided to make changes to the program.While no official explanation has been given, it appears that The Department of Housing and Urban Development and the Internal Revenue Service are researching the details of the program, leaving the status unknown for now. 
Foreclosures are more common these days, finding a foreclosed property to buy has become a lot easier than it was during the housing bubble. When home prices were increasing in the double digits annually and anyone could qualify for a 
Amerisave is offering a 30-year mortgage rate of 4.00%. We were quoted the 4.00% mortgage rate for a 30-year fixed rate mortgage of $400,000 on a home purchase of $500,000 ( 20 percent down payment) in the state of Florida. The annual percent rate (APR) on this loan is 4.394%. The monthly mortgage payments on this loan is $1,910.To receive this low rate we had to buy down the rate with discount points. Points can be used to buy down a mortgage rate, each point is equal to one percent of the value of the loan. When you buy down the mortgage rate you have to pay more upfront, but the cost can be rolled into the loan. Keep in mind you might pay a higher interest rate on a mortgage or private mortgage insurance (PMI) if you exceed the 20% loan-to-value (LTV) ratio.With this quote we would have paid $18,392 in closing costs, this amount also includes the discount points we paid to buy down the loan rate. We also received 30-year mortgage quotes for 20 different discount point options. You can also receive money at closing if you're willing to have a higher mortgage rate. If you plan to stay in your home a long time it would be better to buy down the mortgage rate to the lowest level possible, you would save a ton of money over the life of the loan. 
Finding a decent rate on a savings account isn't an easy thing to do these days. Savings account rates have been decreasing for over a year now, falling as fast as the economy.Monitor Bank Rates will post a great rate being offered by a bank and in less than a month the rate posted by the bank will have decreased on average of over one percent.Over a year ago one could find online savings account rates around five percent. That's changed since the Feds have been lowering rates. Most savings account rates are in the three percent to four percent range. 
Five Star Bank has two new online CD rate specials which are some of the best CD rates available today. The best deal for your money is Five Star Bank's 8-month CD rate at 1.71 percent with an APY of 1.72 percent. Other special CD rates from Five Star Bank include 13-month CD rates at 1.59 percent with an APY of 1.60 percent. 60-month CD rates are at 1.19 percent with an APY of 1.20 percent. 60-month IRA CD rates are at 1.14 percent with an APY of 1.15 percent, and 3-month CD rates are only at 0.05 percent with an APY of 0.05 percent. The minimum opening balance for all CD accounts at Five Star Bank is $500.
