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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.
Bankrate helps millions of people do more with their money
48
Years in personal finance
50+
In-house financial experts
200+
Money tools & calculators
- Term
- 10-year fixed
- Rate
- 5.21%
- APR
- 5.64%
- Term
- 15-year fixed
- Rate
- 5.53%
- APR
- 5.83%
- Term
- 30-year fixed
- Rate
- 6.26%
- APR
- 6.45%
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 23, 2024.
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.
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