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Explore personal finance topics including credit cards, investments, identity protection, auto loans, retirement, credit reports, and so much more.Bankrate: Healthier wallet, happier you Skip to Main Content Bankrate Banking Caret Right Caret LeftAll Banking Checking & savingsCaret Right CDsCaret Right Money marketCaret Right BanksCaret Right Explore all banking resources Arrow Right Caret Left Banking Compare accounts Best savings 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 rate trends 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. 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Life insurance resources Learn more about life insurance Explore all insurance resources Arrow Right Bankrate SearchClose X Submit Search Healthier wallet, happier you Level up your financial wellbeing with Bankrate’s expert tools and guidance. CD CD rates Rates Up High-yield savings Mortgage Home purchase Credit Card Credit cards Home Equity Home equity Dollar Reload Home refinance Invest Portfolio Investing Loan Personal loans Bankrate helps millions of people do more with their money 48 Years in personal finance 50+ In-house financial experts 200+ Money tools & calculators Mortgages CDs Savings Rates Trends Top mortgage offers Make your dream home a reality with the right mortgage. Compare mortgage rates Term 10-year fixed Rate 4.85% APR 5.03% View 10-year fixed mortgage rates Arrow Right Term 15-year fixed Rate 4.67% APR 4.85% View 15-year fixed mortgage rates Arrow Right Term 30-year fixed Rate 5.45% APR 5.57% View 30-year fixed mortgage rates Arrow Right 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 September 14, 2024. How are these rates calculated? Current mortgage trends Top offers for a 30-year fixed mortgage on Bankrate are currently 0.84% lower than the national average. Compare mortgage rates Bankrate “top offers” represent the weekly average interest rate among top offers featured on Bankrate for the loan type and term selected, as of September 14, 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 6.29% as of September 14, 2024. How are these rates calculated? 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* 4.56% vs Nat Avg 2.82% View 6 month CD rates Arrow Right Term 1 Year APY* 4.60% vs Nat Avg 2.82% View 1 year CD rates Arrow Right Term 5 Year APY* 3.72% vs Nat Avg 2.30% View 5 year CD rates Arrow Right *Average annual percentage yield featured on Bankrate as of September 14, 2024. Current CD trends Top offers on Bankrate for a one-year CD are currently 2.82% 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 September 14, 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 1.78% as of September 14, 2024. 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* 4.64% vs Nat Avg 4.03% View savings rates Arrow Right Type Money Market APY* 3.64% vs Nat Avg 3.20% View money market rates Arrow Right *Average annual percentage yield featured on Bankrate as of September 14, 2024. Current savings trends Top offers on Bankrate are currently 4.03% 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 September 14, 2024. “National average” is determined by Bankrate's comprehensive national survey of savings accounts and CDs. For savings, the current national average is 0.61% as of September 14, 2024. 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About Bankrate Greg McBride, CFA Arrow Right Chief Financial Analyst Sarah Foster Arrow Right Principal U.S. Economy Reporter Mark Hamrick Arrow Right Senior Economic Analyst Featured by names you know and trust Calculators for every question RatesSavings calculator MortgageMortgage calculator LoanLoan calculator Credit Card Cash BackCredit card payoff CdCD calculator CalculatorSee all calculators Travel $2,500 Vacation savings Latest in Caret Down Caret Up Everything Banking Mortgages Credit cards Investing Personal loans Home equity Insurance What is a purchase APR? 5 min read Read more Arrow Right Navient Overview: What to know about this student loan servicer Student Loans 4 min read Catch-up contributions: What they are and how they work Retirement 3 min read How to get a VA home loan Mortgages 6 min read 4.7Star 4.1Star 4.7Star All banking reviews Best banks in Texas for 2024 5 min read Read more Arrow Right Best online checking accounts for September 2024 8 min read Current CD rates for September 2024 2 min read What is the average interest rate for savings accounts? 3 min read 4.7Star 4.1Star 4.7Star All banking reviews How to get a VA home loan 6 min read Read more Arrow Right Mortgage brokers: What they do and how they help homebuyers 8 min read What are reserves for a mortgage? 6 min read Closing costs: What are they and how much are they? 6 min read 4.9Star 4.6Star 4.6Star All mortgage reviews What is a purchase APR? 5 min read Read more Arrow Right Chase Sapphire Reserve vs. Venture X vs. Amex Platinum 9 min read How to upgrade or downgrade a Chase credit card 7 min read 8 balance transfer credit card mistakes to avoid 6 min read Wells Fargo Active Cash® Card 4.3Star Chase Sapphire Preferred® Card 4.8Star Capital One SavorOne Cash Rewards Credit Card 5.0Star All credit card reviews Best Ethereum ETFs: Top funds for buying Ethereum 3 min read Read more Arrow Right Best gold ETFs: Top funds for investing in gold 4 min read 10 top mega cap stocks 3 min read Day trading crypto: 9 essential things to know before starting to buy and sell 6 min read 5.0Star 5.0Star 3.5Star All investing reviews How to get a personal loan with low interest rates 6 min read Read more Arrow Right What is an unsecured loan? 6 min read What is the APR on a personal loan? 3 min read What is the average personal loan interest rate? 4 min read 4.7Star 4.8Star 4.7Star All personal loans reviews What is hypothecation? 7 min read Read more Arrow Right How your home can pay for emergency repairs 7 min read Borrowing money from your home to pay for your child’s college 8 min read How to get a home equity loan with bad credit 10 min read 4.3Star 4.4Star 3.5Star All home equity reviews 2023 Senior driver facts and statistics 5 min read Read more Arrow Right Difference in conditions insurance 8 min read Car insurance for high-risk drivers in New York 9 min read Auto insurance after a DUI in Pennsylvania 6 min read 4.5Star 4.2Star 4.4Star All insurance reviews Our top picks of 2024 We searched high and low then reviewed, rated and ranked the best financial products of 2024. See the winners Bankrate logo Bankrate About About us Press room Careers Advertise with us Site map Help Contact us Compare rates Latest news Popular topics 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. 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