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BANKRATE.COM
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RATE UPDATE Mortgage rates have increased year over year. Find the lowest mortgage rates in your area.

Why haven't mortgage rates declined this year?
MORTGAGE
Why haven't mortgage rates dropped this year?
Despite Federal Reserve rate cuts, mortgage rates are higher now than a year ago. What's going on?
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  • To compare local rates enter ZIP code:
    NATIONAL OVERNIGHT AVERAGESTODAY+/-LAST WEEK
    30 yr fixed mtg 6.29% 6.32%
    15 yr fixed mtg 5.79% 5.82%
    5/1 ARM 5.90% 5.83%
    30 yr fixed jumbo mtg 7.33% 7.45%
    5/1 jumbo ARM 6.41% 6.38%
    Rates may include points
    To compare local rates enter ZIP code:
    NATIONAL OVERNIGHT AVERAGESTODAY+/-LAST WEEK
    $30K HELOC 5.41% 5.40%
    $50K HELOC 5.10% 5.09%
    $30K Home Equity Loan 7.88% 7.87%
    $50K Home Equity Loan 7.63% 7.63%
    $75K Home Equity Loan 7.61% 7.61%
    Rates may include points
    To compare local rates enter ZIP code:
    NATIONAL OVERNIGHT AVERAGESTODAY+/-LAST WEEK
    36 month new car loan 6.72% 6.73%
    48 month new car loan 6.51% 6.78%
    60 month new car loan 6.52% 6.47%
    72 month new car loan 6.44% 6.32%
    36 month used car loan 7.08% 7.10%
    Rates may include points
    Select a product to compare rates:
    NATIONAL OVERNIGHT AVERAGESTODAY+/-LAST WEEK
    6 month CD 3.16% 3.12%
    1 yr CD 3.65% 3.62%
    5 yr CD 4.14% 4.15%
    1 yr IRA CD 3.26% 3.25%
    5 yr IRA CD 3.93% 3.93%
    Rates may include points

    COMPARE RATES
    Compare rates from mortgages, home equity, auto loans, CDs, MMA High Yields and more.
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    TIP OF THE DAY
    These days, selling your home can be like pulling teeth. Here are eight paths to a smoother transaction.
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    NEWS THIS WEEK
    See rates from our national survey of mortgages, home equity products, auto loans, credit cards and CDs. Our poll shows that while the housing crisis has increased awareness of mortgages, many are still clueless. The sinking economy has families struggling. These expenses can easily be trimmed to net money quickly. You may never own one of these otherworldly autos of the rich and famous, but you can see videos of them here. Man checking into heartbreak hotel wonders if he has a claim on his old love shack -- or at least the garage.
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