irina88w/GettyImages; Illustration by Hunter Newton/Bankrate Mortgage rates ended January at 6.18%, matching their lowest levels since 2022. But can rates keep falling? That seems unlikely, mortgage experts say. The Federal Reserve announced Jan. 28 that its benchmark interest rate would remain unchanged, reflecting a mostly healthy economy. While the central…
Morsa Images/ Getty Images; Illustration by Austin Courregé/Bankrate Bankrate tracks the best certificate of deposit (CD) rates and recent interest rate trends for you. Here are the current national average annual percentage yields (APYs) as of Saturday, January 31, 2026, according to Bankrate’s most recent survey: 1-year CD yield: 1.89…
Key takeaways Only 46% of U.S. adults have enough emergency savings to cover three months of expenses, making saving money more crucial than ever. Automatic transfers to a high-yield savings account earning around 4% APY can help build emergency funds without extra effort. Cash-back apps and comparison shopping can save…
By Julie Jaggernath If you’ve been spending your time shoveling snow recently, try using it as a chance to think about what money management tips you can learn from the winter weather that has hit many parts of Canada and the USA. While it’s easy to grumble about the inconvenience…
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Key takeaways Mobile banking alerts detect fraud faster than manual monitoring. The sooner you report unauthorized activity, the greater your chance of full reimbursement under federal law. Low balance alerts help you avoid overdraft fees, which average $26.77 per transaction in 2025, according to Bankrate’s checking account survey. Essential alerts…
You’ve heard of home equity lines of credit (HELOCs) and home equity loans, which let you borrow against the value of your home, getting ready cash for renovations, debt consolidation or anything else. But jumping through the income-qualification hoops that characterize much home-based financing may be difficult for borrowers with…
Key takeaways The NCUA (National Credit Union Administration) insures credit union deposits up to $250,000 per depositor, per institution, per ownership category. NCUA insurance provides the same protection as FDIC insurance at banks. Both are backed by the full faith and credit of the U.S. government. Joint accounts receive $250,000…
Key takeaways CD early withdrawal penalties typically cost 60 to 365 days of interest, with longer terms carrying steeper penalties. Breaking a CD early may be worth it if you need funds to avoid high-interest debt, make a major down payment, or lock in significantly higher rates. CD early withdrawal…
Image by PM Images/Getty Images; Illustration by Hunter Newton/Bankrate Mortgage rates fell this week, with the 30-year fixed rate averaging 6.18%, down from 6.25% last week, according to Bankrate’s latest lender survey. Current mortgage rates Loan type Current 4 weeks ago One year ago 52-week average 52-week low 30-year 6.18%…
The Federal Reserve isn’t expected to make any rate cuts at its January meeting, but its first gathering of the year still has a lot at stake for American households grappling with expensive borrowing costs, affordability challenges and a tough job market. The big question many Fed watchers are hoping…
Images by Getty Images; Illustration by Hunter Newton/Bankrate A construction loan is a short-term, high-interest loan used to finance building a home. Funds are paid out in phases over the course of construction and typically cover land, materials, contractor labor and permits. They tend to have stricter qualification requirements than…
Oleksandra Yagello/Getty Images The average credit card interest rate is 19.61%, down from a record-high 20.79% set on Aug. 14, 2024. Current credit card interest rates Weekly national averages Variable 01/28/2026 19.61% 01/21/2026 19.62% 01/14/2026 19.64% 01/07/2026 19.65% 12/31/2025 19.72% 12/24/2025 19.73% 12/17/2025 19.75% 12/10/2025 19.80% 12/3/2025 19.83% 11/26/2025 19.86%…
Key takeaways A bank statement loan allows you to qualify for a mortgage using bank statements rather than pay stubs or tax returns. It’s most often used by self-employed borrowers. Not all mortgage lenders offer bank statement loans. You might need to work with a mortgage broker to find one.…
Key takeaways Mobile banking apps now offer AI-powered financial insights, biometric security, real-time fraud detection and automated savings tools beyond basic account access. According to Chase, 86% of consumers prefer to use a single app to do their banking. When selecting an app, prioritize security features, user experience and financial…
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