Page Inspect

Bankrate: Healthier wallet, happier you



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 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 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 to open an MMA
- 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 online banks
- Best credit unions
- 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
- 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
- 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 sign up bonus 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
- 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 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 Tools & reviewsCaret 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 IconClose X Icon

Submit

Search Icon

**Rates Up IconPopular searches**

- Mortgage rates
- Balance transfer credit cards
- Car insurance quotes

**Calculator IconTools**

- 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

## Interest rates are coming down

The Fed cut rates at its September meeting and signaled that more could be coming this year. Get insights from Bankrate’s team of experts on the steps you should take with your finances.

Learn more



## 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\*

3.72%

vs Nat Avg

1.81%

View 6 month CD rates Arrow Right Icon

Term

1 Year

APY\*

3.80%

vs Nat Avg

1.82%

View 1 year CD rates Arrow Right Icon

Term

5 Year

APY\*

3.68%

vs Nat Avg

1.98%

View 5 year CD rates Arrow Right Icon

\*Average annual percentage yield featured on Bankrate as of October 19, 2025.

## Current CD trends

Top offers on Bankrate for a one-year CD are currently **1.82% 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 October 19, 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\*

3.96%

vs Nat Avg

3.35%

View savings rates Arrow Right Icon

Type

Money Market

APY\*

3.94%

vs Nat Avg

3.48%

View money market rates Arrow Right Icon

\*Average annual percentage yield featured on Bankrate as of October 19, 2025.

## Current savings trends

Top offers on Bankrate are currently **3.35% 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 October 19, 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

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

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

- 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

4.7Star Icon 4.1Star Icon 4.7Star Icon

All banking reviews

## Best banks for early direct deposit in 2025
7 min read Read more Arrow Right Icon

### What is overdraft protection?

4 min read

### 13 types of checking accounts

7 min read

### Biggest winners and losers from the Fed’s latest meeting

4 min read

4.7Star Icon 4.1Star Icon 4.7Star Icon

All banking reviews

## Survey: One in six aspiring homeowners have given up in the last five years
5 min read Read more Arrow Right Icon

### Mortgage application: What’s included and tips to prepare

5 min read

### Guide to first-time homebuyer grants

7 min read

### Mortgage rate history: 1970s to 2025

4 min read

4.9Star Icon 4.6Star Icon 4.6Star Icon

All mortgage reviews

## Current credit card interest rates
5 min read Read more Arrow Right Icon

### Bankrate’s 2025 Holiday Spending Report

10 min read

### Best travel credit cards with no annual fee

39 min read

### Best credit cards for international travel

53 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

## Best short-term bond funds in October 2025
2 min read Read more Arrow Right Icon

### Best value ETFs: Top funds that hold bargain-priced stocks

3 min read

### Best compound interest investments

6 min read

### Best dividend ETFs and how to invest in them

5 min read

5.0Star Icon 5.0Star Icon 3.5Star 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

### Should college students consider personal loans?

5 min read

4.7Star Icon 4.8Star Icon 4.7Star Icon

All personal loans reviews

## Could home equity be the solution to America’s record-high debt?
4 min read Read more Arrow Right Icon

### Home equity rates drop to two-year low

3 min read

### Slight gains for home equity rates, holding near 2025 lows

3 min read

### Home equity rates tumble to new lows, one week after the Fed’s rate reduction

3 min read

4.3Star Icon 4.4Star Icon 3.5Star 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

4.5Star Icon 4.2Star Icon 4.4Star 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 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
- Bankrate Data Center
- Careers
- Site map

### Help

- Contact us
- Compare rates
- Latest news
- Popular topics
- Advertise with us

### 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.