Healthier wallet, happier you
Level up your financial wellbeing with Bankrate’s expert tools and guidance.
The Fed makes a third interest rate cut
![Image of Jerome Powell](https://www.bankrate.com/f/102997/822x896/6fb299429f/powell-fed-day.png?auto=webp&height=328)
Bankrate helps millions of people do more with their money
![Decorative image](https://www.bankrate.com/f/102997/646x699/38fd0de948/stat-image.png?auto=webp&optimize=high&height=356)
Years in personal finance
In-house financial experts
Money tools & calculators
- Term
- 10-year fixed
- Rate
- 5.08%
- APR
- 5.44%
- Term
- 15-year fixed
- Rate
- 5.25%
- APR
- 5.55%
- Term
- 30-year fixed
- Rate
- 6.21%
- APR
- 6.34%
Bankrate “top offers” represent the weekly average interest rate and average of APRs among top offers featured on Bankrate for the loan type and term selected, as of December 18, 2024.
Current mortgage trends
Bankrate “top offers” represent the weekly average interest rate among top offers featured on Bankrate for the loan type and term selected, as of December 18, 2024.
“National average” is determined by averaging interest rate information provided by 100-plus lenders nationwide. The current national average 30-year fixed mortgage APR is 6.8% as of December 18, 2024.
Today’s top CD rates
- Term
- 6 Month
- APY*
- 4.12%
- vs Nat Avg
- 2.43%
- Term
- 1 Year
- APY*
- 4.11%
- vs Nat Avg
- 2.36%
- Term
- 5 Year
- APY*
- 3.83%
- vs Nat Avg
- 2.41%
Current CD trends
Bankrate “top offers” represent the average of the top CD offers from the institutions we track, featured on Bankrate as of December 18, 2024.
“National average” is determined by Bankrate's comprehensive national survey of savings accounts and CDs. The current national average for a one-year CD is 1.75% as of December 18, 2024.
Today’s top savings rates
- Type
- Savings
- APY*
- 4.43%
- vs Nat Avg
- 3.87%
- Type
- Money Market
- APY*
- 3.74%
- vs Nat Avg
- 3.33%
Current savings trends
Bankrate “top offers” represent the average of the top savings account offers from the institutions we track, featured on Bankrate as of December 18, 2024.
“National average” is determined by Bankrate's comprehensive national survey of savings accounts and CDs. For savings, the current national average is 0.56% as of December 18, 2024.
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](https://www.bankrate.com/f/102997/284x296/e82ff353b1/br-expert-greg.png?auto=webp&optimize=high)
Chief Financial Analyst
![Sarah Foster](https://www.bankrate.com/f/102997/284x296/7fb8678166/br-expert-sarah.png?auto=webp&optimize=high)
Principal U.S. Economy Reporter
![Mark Hamrick](https://www.bankrate.com/f/102997/284x296/4056ed19a3/br-expert-mark.png?auto=webp&optimize=high)
Senior Economic Analyst
Featured by names you know and trust
Our top picks for 2025
- Everything
- Banking
- Mortgages
- Credit cards
- Investing
- Personal loans
- Home equity
- Insurance
![Bankrate's lead writer Ana Staples and the Brandenburg Gate](https://www.bankrate.com/brp/2024/12/13164914/Cards_My_9_day_long_trip_to_Germany_only_cost_me_465_Here_are_my_6_travel_hacks.jpg?auto=webp&optimize=high)
![](https://www.bankrate.com/2023/06/14140557/Mortgages_How_the_Federal_Reserve_ARMs_HELOCs.jpg?auto=webp&optimize=high)
![Lines of cars in traffic on highway](https://www.bankrate.com/brp/2024/12/18135247/GettyImages-939485148-scaled.jpg?auto=webp&optimize=high)
Calculators for every question
![Decorative image](https://www.bankrate.com/f/102997/924x659/a6de9a933b/homepage-calculators-vaction-wide.png?auto=webp&optimize=high&height=380)