Archives for January 2010

Home loan rates were down in the latest mortgage survey released this morning. Conforming fixed home loan rates and conforming adjustable home loan rates were down.

30 year mortgage rates decreased to 4.98 percent with 0.6 points, down from the prior week’s average mortgage rate of 4.99 percent. This is the second week in a row 30 year mortgage rates are back under 5.00 percent.

Looking for current home loan rates? Use our mortgage rate tables to find current home loan rates in your state or zip code. Home Loan Rates.

15 year mortgage interest rates are averaging 4.39 percent with 0.6 points for the week ending January 28, 2010, down from the previous week’s average home loan rate of 4.40 percent.

5 year U.S. Treasury indexed adjustable rate mortgages averaged 4.25 percent this week with an average 0.6 mortgage discount points, down from the prior week’s home loan rate of 4.27 percent. 1 year U.S. Treasury indexed ARMs averaged 4.29 percent with 0.5 mortgage points, down from last week’s average home loan mortgage rate of 4.32 percent.

For a more extensive report on today’s mortgage interest rates, MonitorBankRates.com released its Weekly Mortgage Report on Monday, which follows:

 

Current Home Loan Rates

Fixed conforming 30 year mortgage rates are at 5.04 percent this week, down from the prior week’s average home loan rate of 5.06 percent.

Conforming 15 year mortgage rates are at 4.40 percent this week, down from last week’s average home loan interest rate of  4.44 percent.

Jumbo Mortgage Rates

30-year jumbo mortgage rates are averaging 5.86% this week, up from the prior week’s average home loan rate of 5.72%.

15 year jumbo mortgage loans are averaging 5.24% this week, up from the prior week’s average home mortgage loan rate of 5.16%.

Adjustable Mortgage Rates

Conforming 1 year adjustable mortgage home loan rates are averaging 4.32% this week, down from the prior week when one year home loans were averaging 4.50%.

Conforming 3 year adjustable mortgage interest rates are averaging 4.52%, down from last week’s average loan rate of 4.53%.

Conforming 5 year adjustable mortgage rates are averaging 4.20% this week, up from the previous week’s average mortgage interest rate of 4.12%.

Conforming 7 year adjustable home loan rates are averaging 4.61%, up from last week’s average home loan rate of 4.56%.

Conforming 10-year mortgage rates are at 5.11%, a decrease from the previous week’s average interest mortgage rate of 5.18%.

Jumbo Adjustable Mortgage Rates

Jumbo 1 year jumbo adjustable mortgage rates are averaging 5.31% this week, down from the prior week’s average home mortgage loan rate of 5.48%.

Jumbo 3-year jumbo ARMs are averaging 5.32% this week, up from last week’s average adjustable interest loan rate of 5.27%.

The average 5 year jumbo ARM is at 4.99% this week, up from the prior week’s average interest mortgage rate 0f 4.89%.

7 year jumbo ARMs are averaging 5.37% this week, down from last week’s average loan mortgage rate of 5.43%.

The average 10 year jumbo is at 5.88%, down from the prior week’s average 10 year mortgage loan rate of 5.95%.

Conforming Interest Only Mortgage Rates

3 year interest only mortgage rates are averaging 4.65% this week, unchanged from last week’s average interest rate.

5 year interest only loans are averaging 4.31% this week, up from last week’s average five year interest only mortgage rate of 4.21%.

7 year IO home loan rates are averaging 4.81% this week, up from last week’s average interest rate of 4.76%.

Jumbo Interest Only Mortgage Rates

3 year jumbo interest only mortgages are averaging 5.52% this week, up from last week’s jumbo interest mortgage rate of 5.42%.

5 year jumbo IO loan rates are averaging 5.39%, up from the prior week’s average IO mortgage rate of 5.24%.

The average jumbo 7 year IO loan mortgage rate is at 5.76%, up from last week’s average jumbo rate of 5.73%.

Home Equity Loans

The average home equity loan rate was down this week over last. 10 year home equity loan rates decreased to 7.418% this week, down from last week’s average equity home loan rate of 7.424%. 15 year home equity rates decreased to 7.517%, down slightly from the prior week’s average equity loan rate of 7.520%.

Home Equity Line of Credit (HELOC)

Average home equity line of credit rates were down slightly this week over last. The average HELOC rate is at 4.906% this week, up slightly from last week’s average HELOC rate of 4.904%.

Searching for today’s home loan rates? The best mortgage rates including jumbo mortgage rates can be found in your state or zip code by using our bank mortgage rate tables. Today’s Mortgage Rates

Mortgage Rates increased slightly in the latest Weekly Mortgage Applications Survey released this morning by the Mortgage Bankers Association (MBA). 30 year mortgage rates, 15 year mortgage rates and 1 year adjustable mortgage rates all increased slightly for the week ending January 22, 2010.

Although mortgage rates increased this week mortgage refinancing still took a big hit. Current mortgage rates have been so low for awhile now everyone who could refinance their home loan probably already has refinanced.

Looking for today’s mortgage interest rates? Use our mortgage rate tables to find current mortgage rates  in your state or zip code. Today’s Mortgage Interest Rates.

MBA’s Vice President of Research and Economics had the following take on mortgage refinancing.  

“Refinance activity fell substantially last week. Although rates remain low, there appears to be a smaller pool of borrowers who are willing and able to refinance at today’s rates.”

The average contract rate on 30 year mortgages increased to 5.02 percent for the week ending January 22, 2010, up from the prior week’s average mortgage home loan rate of 5.00 percent. Mortgage discount points decreasing to 1.00 point from 1.05 points the week prior.

15 year mortgage rates are averaging 4.34 percent for the week ending January 22, 2010, up from the previous week’s average mortgage interest rate of 4.33 percent. Mortgage points decreased to 1.14 points, down from the previous week’s average of 1.19 points.

1 year adjustable mortgage rates increased to 6.84 percent, up from last’s week’s average one year adjustable mortgage rate of 6.72 percent. Discount points increased to 0.33 points, up from last week’s average of 0.31 points.

For a more extensive report on today’s mortgage interest rates, MonitorBankRates.com released its Weekly Mortgage Report on Monday, which follows:

Current Mortgage Rates

Fixed conforming 30 year mortgage rates at 5.04 percent this week, down from the prior week’s average home loan rate of 5.06 percent.

Conforming 15 year mortgage rates are at 4.40 percent this week, down from last week’s average home loan interest rate of  4.44 percent.

Jumbo Mortgage Rates

30-year jumbo mortgage rates are averaging 5.86% this week, up from the prior week’s average home loans rate of 5.72%.

15 year jumbo mortgage loans are averaging 5.24% this week, up from the prior week’s average home mortgage loan rate of 5.16%.

Adjustable Mortgage Rates

Conforming 1 year adjustable mortgage home loan rates are averaging 4.32% this week, down from the prior week when one year home loans were averaging 4.50%.

Conforming 3 year adjustable mortgage interest rates are averaging 4.52%, down from last week’s average loan rate of 4.53%.

Conforming 5 year adjustable mortgage rates are averaging 4.20% this week, up from the previous week’s average mortgage interest rate of 4.12%.

Conforming 7 year adjustable home loan rates are averaging 4.61%, up from last week’s average home loan rate of 4.56%.

Conforming 10-year mortgage rates are at 5.11%, a decrease from the previous week’s average interest mortgage rate of 5.18%.

Jumbo Adjustable Mortgage Rates

Jumbo 1 year jumbo adjustable mortgage rates are averaging 5.31% this week, down from the prior week’s average home mortgage loan rate.5.48%.

Jumbo 3-year jumbo ARMs are averaging 5.32% this week, up from last week’s average adjustable interest loan rate of 5.27%.

The average 5 year jumbo ARM is at 4.99% this week, up from the prior week’s average interest mortgage rate 0f 4.89%.

7 year jumbo ARMs are averaging 5.37% this week, down from last week’s average loan mortgage rate of 5.43%.

The average 10 year jumbo is at 5.88%, down from the prior week’s average 10 year mortgage loan rate of 5.95%.

Conforming Interest Only Mortgage Rates

3 year interest only mortgage rates are averaging 4.65% this week, unchanged from last week’s average interest rate.

5 year interest only loans are averaging 4.31% this week, up from last week’s average five year interest only mortgage rate of 4.21%.

7 year IO home loan rates are averaging 4.81% this week, up from last week’s average interest rate of 4.76%.

Jumbo Interest Only Mortgage Rates

3 year jumbo interest only mortgages are averaging 5.52% this week, up from last week’s jumbo interest mortgage rate of 5.42%.

5 year jumbo IO loan rates are averaging 5.39%, up from the prior week’s average IO mortgage rate of 5.24%.

The average jumbo 7 year IO loan mortgage rate is at 5.76%, up from last week’s average jumbo rate of 5.73%.

Home Equity Loans

The average home equity loan rate was up considerably this week over last. 10 year home equity loan rates decreased to 7.418% this week, down from last week’s average equity home loan rate of 7.424%. 15 year home equity rates decreased to 7.517%, down slightly from the prior week’s average equity loan rate of 7.520%.

Home Equity Line of Credit (HELOC)

Average home equity line of credit rates were down slightly this week over last. The average HELOC rate is at 4.906% this week, up slightly from last week’s average HELOC rate of 4.904%.

Looking for current mortgage rates? The best mortgage rates including jumbo mortgage rates can be found in your state or zip code by using our bank mortgage rate tables. Current Mortgage Rates

http://cdrates.monitorbankrates.com The average one year certificate of deposit rate is only 1.01 percent right now but CD rates will start heading higher sometime in 2010. The FOMC meets tomorrow and Thursday to decide the direction of interest rates.

The Fed is expected to keep the Fed fund rate in the targeted range of zero percent to one quarter percent for now but will raise rates later this year. When the Fed funds rate heads higher banks will finally start raising CD rates and savings account rates.

Looking for CD Rates? Find the best CD rates here. Highest CD Rates.

Here is a list of the top 25 bank CD rates in New York City.

UFB Direct  1.86% APY Min $8000     
Eastbank  1.75% APY Min $2500   
Discover Bank  1.75% APY Min $2500    
Giantbank.com  1.71% APY Min $2500      
Ally Bank  1.70% APY Min $ 1    
Nationwide Bank  1.70% APY Min $10000    
Maspeth Federal S&L  1.70% APY Min $1500     
Broadway National Bank  1.67% APY Min $500    
Bank of Internet USA  1.65% APY Min $1000     
First Central Savings Bank  1.65% APY Min $500   
ING DIRECT  1.60% APY Min $ 1    
AIG Bank  1.60% APY Min $2500
Tennessee Commerce Bank  1.60% APY Min $2500     
EverBank 1.56% APY Min $1500
American Express Bank FSB  1.50% APY Min $ 1
Bay Ridge Federal Credit Union  1.50% APY Min $500      
Marathon National Bank  1.50% APY Min $1000 
Bridgehampton National Bank  1.50% APY Min $1000    
Brooklyn FSB  1.50% APY Min $1000 1.50%
Ridgewood Savings Bank  1.35% APY Min $500  
Cross County Federal Savings  1.35% APY Min $500      
Great Eastern Bank  1.31% APY Min $2500  
Intervest National Bank  1.30% APY Min $2500    
Allstate Bank  1.30% APY Min $1000
Community Fed Svngs Bank  1.30% APY Min $500     

Find the highest bank CD rates here: Highest Bank CD Rates.

A new set of credit card rules takes effect February 22, 2010 and you should be aware of the new rules. The new credit card laws are positive for consumers and offer consumers a new set of protections.

The credit card rules include new rules on what credit card companies have to tell you, new rules on credit card rates, credit card fees and credit card limits.

Looking for the best credit card rates? Search our credit card tables. Best Credit Card Rates.

Some of the most helpful rules for consumers is that credit card companies have to tell you how long it will take to pay off a credit card if you only make the minimum credit card payments. In addition, if you make more than the minimum credit card payment any month, your credit card company must apply the excess amount to the balance with the highest credit card interest rate.

The new set of credit card laws that take effect February 22, 2010 include:

• Telling you 45 days in advance if they raise your credit card rate, change certain credit card fees or make other significant changes to your credit card account. Credit card companies do not have to tell you 45 days in advance if you have a variable rate card or if you have an introductory rate credit card that expired.
• Your credit card company cannot increase the credit card rate for the first 12 months of opening your account. The exceptions include variable rate credit cards, introductory rate credit cards and if you’re more than 60 days late on a credit card payment.
• If your credit card rate does increase after the first year it will only increase for new purchases not existing balances.
• You now have to opt-in for over-the-limit credit card transactions.  If you don’t, you cannot be charged an over the limit fee though your credit card transaction might be declined. If you do opt-in you can only be charged one over-the-limit fee per month. You can also opt-out at any time.
• Your monthly credit card bill will now include information on how long it will take you to pay off your credit card balance if you only make minimum credit card payments. Your credit card statement will also tell you how much you would need to pay each month in order to pay off your credit card balance in three years.
• If you are under 21, you will need to show that you are able to make credit card payments, or you will need a cosigner when applying for a credit card in order to open a credit card account.
• Credit card companies are now required to limit fees and they cannot total more than 25% of the initial credit limit. For example, if your initial credit limit is $500, the fees for the first year cannot be more than $125. Late credit card penalty fees are not included.
• Credit card companies must mail or deliver your credit card bill at least 21 days before your payment is due.
• Credit card companies cannot double cycle bill, they only impose interest charges on balances in the current billing cycle.

Looking for the best credit card rates? Search our credit card tables. Best Credit Card Rates.

Bank CD rates were down fractionally again this week, but there is hope for the future. The FOMC meets this week to decide the direction of interest rates. The consensus is the Fed funds rate will stay in a targeted range of zero percent to one quarter percent.

Looking for CD Rates? Find the highest CD rates here. Search for the highest CD rates.

Although the FOMC won’t raise interest rates this time around, the Fed will become more hawkish and start pulling liquidity out of the system. The Fed will need to wind down some of its various lending programs and eliminate others, including the buying of 1.25 trillion of agency mortgage-backed securities and about $175 billion of agency debt which will end in Q1 2010.

The Fed also proposed term deposits for banks, or certificates of deposit for banks, to drain money out of the system. When the Fed starts pulling liquidity out of the system interest rates will start rising. Mortgage rates will rise quicker and faster than deposit rates.

Bank CD Rates

• 3 month CD rates at banks are at 0.504 percent this week, down from last week’s average rate of 0.509 percent.
• 6 month CD interest rates are at 0.746 percent, down from the prior week’s average rate of 0.753 percent.
• 12 month certificate of deposit rates are averaging 1.015 percent, down from the previous week’s average rate of 1.028 percent.
• 18 month CD rates are averaging 1.193 percent, down from last week’s average rate of 1.20 percent.
• 24 month rates are averaging 1.499 percent this week, down from the previous week’s average of 1.508 percent.
• 36 month CD interest rates are at 1.832 percent, down from the prior week’s average of 1.839 percent.
• 48 month CD rates are averaging 2.064 percent, down from last week’s average rate of 2.070 percent.
• 60 month certificate of deposits are averaging 2.353 percent, down from the prior week’s average rate of 2.357 percent.

Search for the best CD rates in your zip code here: Search for the best CD rates.

Mortgage rates started heading up last month but have since reversed course and are headed back down again. The up tick in mortgage rates last month was related to the run-up 10-year Treasury yields, which increased from 3.20 percent in late November to 3.80 percent in late December.

In addition to Treasury yields going higher, the FOMC met last month and in their Statement release said they are slowing the pace of mortgage-backed securities and anticipate completing their purchases at the end of the first quarter of 2010.

Looking for today’s mortgage interest rates? Use our mortgage rate tables to find current mortgage rates  in your state or zip code. Today’s Mortgage Interest Rates.

The Fed has been supporting the mortgage market since the financial crisis by providing liquidity to drive down mortgage rates. They were successful in driving fixed 30 year mortgage rates under 5.00 percent but now their support of the mortgage market is ending most analysts’ belief that 30 year mortgage rates will head up towards 6.00 percent or even higher once the purchases stop.

The downturn in mortgage rates the past three weeks can be attributed to the belief that the economy won’t recover as strongly as anticipated. As a result, unemployment will remain high and will take longer to decline, making inflation less of a concern at this point. Lower inflation will mean a more gradual increase in interest rates and mortgage rates.

Current Mortgage Rates

Fixed conforming 30 year mortgage rates at 5.04 percent this week, down from the prior week’s average home loan rate of 5.06 percent.

Conforming 15 year mortgage rates are at 4.40 percent this week, down from last week’s average home loan interest rate of  4.44 percent.

Jumbo Mortgage Rates

30-year jumbo mortgage rates are averaging 5.86% this week, up from the prior week’s average home loans rate of 5.72%.

15 year jumbo mortgage loans are averaging 5.24% this week, up from the prior week’s average home mortgage loan rate of 5.16%.

Adjustable Mortgage Rates

Conforming 1 year adjustable mortgage home loan rates are averaging 4.32% this week, down from the prior week when one year home loans were averaging 4.50%.

Conforming 3 year adjustable mortgage interest rates are averaging 4.52%, down from last week’s average loan rate of 4.53%.

Conforming 5 year adjustable mortgage rates are averaging 4.20% this week, up from the previous week’s average mortgage interest rate of 4.12%.

Conforming 7 year adjustable home loan rates are averaging 4.61%, up from last week’s average home loan rate of 4.56%.

Conforming 10-year mortgage rates are at 5.11%, a decrease from the previous week’s average interest mortgage rate of 5.18%.

Jumbo Adjustable Mortgage Rates

Jumbo 1 year jumbo adjustable mortgage rates are averaging 5.31% this week, down from the prior week’s average home mortgage loan rate.5.48%.

Jumbo 3-year jumbo ARMs are averaging 5.32% this week, up from last week’s average adjustable interest loan rate of 5.27%.

The average 5 year jumbo ARM is at 4.99% this week, up from the prior week’s average interest mortgage rate 0f 4.89%.

7 year jumbo ARMs are averaging 5.37% this week, down from last week’s average loan mortgage rate of 5.43%.

The average 10 year jumbo is at 5.88%, down from the prior week’s average 10 year mortgage loan rate of 5.95%.

Conforming Interest Only Mortgage Rates

3 year interest only mortgage rates are averaging 4.65% this week, unchanged from last week’s average interest rate.

5 year interest only loans are averaging 4.31% this week, up from last week’s average five year interest only mortgage rate of 4.21%.

7 year IO home loan rates are averaging 4.81% this week, up from last week’s average interest rate of 4.76%.

Jumbo Interest Only Mortgage Rates

3 year jumbo interest only mortgages are averaging 5.52% this week, up from last week’s jumbo interest mortgage rate of 5.42%.

5 year jumbo IO loan rates are averaging 5.39%, up from the prior week’s average IO mortgage rate of 5.24%.

The average jumbo 7 year IO loan mortgage rate is at 5.76%, up from last week’s average jumbo rate of 5.73%.

Home Equity Loans

The average home equity loan rate was up considerably this week over last. 10 year home equity loan rates decreased to 7.418% this week, down from last week’s average equity home loan rate of 7.424%. 15 year home equity rates decreased to 7.517%, down slightly from the prior week’s average equity loan rate of 7.520%.

Home Equity Line of Credit (HELOC)

Average home equity line of credit rates were down slightly this week over last. The average HELOC rate is at 4.906% this week, up slightly from last week’s average HELOC rate of 4.904%.

Looking for current mortgage rates? The best mortgage rates including jumbo rates can be found in your state or zip code by using our bank mortgage rate tables. Today’s Mortgage Rates

(http://www.monitorbankrates.com/mortgages) Mortgage rates were down in the latest mortgage survey released by Freddie Mac. Fixed mortgage rates and adjustable mortgage rates were down. Conforming fixed 30 year mortgage rates are back under 5.00 percent for the first time in a few weeks.

The Federal Open Market Committee meets next week to decide the direction of interest rates. The FOMC is expected to keep the Fed Funds rate in a targeted range of zero percent to one quarter percent for now.

Looking for today’s mortgage interest rates? Use our mortgage rate tables to find current mortgage rates  in your state or zip code. Today’s Mortgage Interest Rates.

30 year conforming fixed rate mortgages are averaging 4.99 percent with with an average mortgage discount point of 0.7 points, for the week ending January 21, 2010, down from the prior week’s average mortgage rate of 5.06 percent.

Conforming 15 year fixed mortgage rates are averaging 4.40 percent with an average mortgage points of 0.6 points for the week ending January 21, 2010, down from the previous week’s average mortgage interest rate of 4.45 percent.

5 year Treasury indexed adjustable mortgage rates are averaging 4.27 percent with an average discount point of 0.6 points for the week ending January 21, 2010, down from last week’s average home loan rate of 4.32 percent.  One year adjustable mortgage rates are averaging 4.32 percent with average mortgage points of 0.6 points, down from last week’s average one year interest rate of 4.39 percent.

Today’s Mortgage Interest Rates

Conforming 30 year mortgage rates are at 5.06 percent this week, down from the previous week’s average home mortgage rate of 5.17 percent.

Conforming 15 year mortgage rates are at 4.44 percent this week, down from last week’s average home loan interest rate of  4.55 percent.

Jumbo Mortgage Rates

30-year jumbo mortgage rates are averaging 5.72% this week, down from the prior week’s loan home rate of 5.85%.

15 year jumbo mortgage loans are averaging 5.16% this week, down from the prior week’s average mortgage home loan rate of 5.33%.

Adjustable Mortgage Rates

Conforming 1 year adjustable home mortgage loan rates are averaging at 4.50% this week, down from the prior week when one year home loans were averaging 4.57%.

Conforming 3 year adjustable mortgage interest rates are averaging 4.53%, down from last week’s average loan rate of 4.56%.

Conforming 5 year adjustable mortgage rates are averaging 4.12% this week, down from the previous week’s average mortgage rate of 4.33%.

Conforming 7 year adjustable loan rates are averaging 4.56%, down considerably from last week’s average loan rate of 4.85%.

Conforming 10-year mortgage rates are at 5.18%, down from the previous week’s average bank mortgage rate of 5.33%.

Jumbo Adjustable Mortgage Rates

Jumbo 1 year jumbo adjustable mortgage rates are averaging 5.48% this week, unchanged from the prior week’s average mortgage finance interest rate.

Jumbo 3-year jumbo ARMs are averaging 5.27% this week, down a lot from last week’s adjustable rate of 5.80%.

Current 5 year jumbo ARM is averaging 4.89% this week, down from the prior week’s average rate on a five year jumbo mortgage 0f 5.07%.

7 year jumbo ARMs are averaging 5.43% this week, down from last week’s average mortgage rate of 5.79%.

The average 10 year jumbo is at 5.95%, down from the prior week’s average 10 year mortgage rate of 6.10%.

Interest Only Mortgage Rates

3 year interest only mortgage rates are averaging 4.65% this week, down from last week’s average interest rate of 4.70%.

5 year interest only loans are averaging 4.21% this week, down from last week’s average five year interest only mortgage rate of 4.49%.

7 year IO loan rates are averaging 4.76% this week, down from last week’s average interest rate of 5.07%.

Jumbo Interest Only Mortgage Rates

3 year jumbo interest only mortgages are averaging 5.42% this week, down from last week’s jumbo interest mortgage rate of 5.95%.

5 year jumbo IO loan rates are averaging 5.24%, down from the prior week’s average IO mortgage rate of 5.40%.

The average jumbo 7 year IO loan mortgage rate is at 5.73%, down from last week’s average jumbo rate of 6.27%.

Home Equity Loans

The average home equity loan rate was up considerably this week over last. 10 year home equity loan rates decreased to 7.424% this week, down from last week’s average equity home loan rate of 7.425%. 15 year home equity rates decreased to 7.520%, down slightly from the prior week’s average equity loan rate of 7.521%.

Home Equity Line of Credit (HELOC)

Average home equity line of credit rates were down slightly this week over last. The average HELOC rate is at 4.904% this week, unchanged from last week’s average HELOC rate.

Looking for current mortgage rates? The best mortgage rates including jumbo rates can be found in your state or zip code by using our bank mortgage rate tables. Today’s Mortgage Rates.

Mortgage rates decreased in the latest Mortgage Market Survey released by the Mortgage Bankers Association (MBA). Lower mortgage rates increased mortgage applications for home purchases and mortgage refinancing.

Looking for today’s mortgage interest rates? Use our mortgage rate tables to find current mortgage rates  in your state or zip code. Today’s Mortgage Interest Rates.

The average contract mortgage rate for 30 year mortgages is back at 5.00 percent for the week ending January 15, 2010, down from the prior week’s average mortgage rate of 5.13 percent. Mortgage discount points decreased from 1.17 points to 1.05 points.

The average contract mortgage rate for 15 year mortgages decreased to 4.33 percent for the week ending January 15, 2010, down from the previous week’s average mortgage rate of 4.45 percent. Mortgage points increased to 1.19 points from 1.04 points.

The average contract mortgage interest rate for one year adjustable mortgages decreased to 6.72 percent, down from last week’s average adjustable mortgage rate of 6.83 percent. Mortgage discount points remained unchanged at 0.31 points.

Today’s Mortgage Interest Rates

Conforming 30 year mortgage rates are at 5.06 percent this week, down from the previous week’s average home mortgage rate of 5.17 percent.

Conforming 15 year mortgage rates are at 4.44 percent this week, down from last week’s average home loan interest rate of  4.55 percent.

Jumbo Mortgage Rates

30-year jumbo mortgage rates are averaging 5.72% this week, down from the prior week’s loan home rate of 5.85%.

15 year jumbo mortgage loans are averaging 5.16% this week, down from the prior week’s average mortgage home loan rate of 5.33%.

Adjustable Mortgage Rates

Conforming 1 year adjustable home mortgage loan rates are averaging at 4.50% this week, down from the prior week when one year home loans were averaging 4.57%.

Conforming 3 year adjustable mortgage interest rates are averaging 4.53%, down from last week’s average loan rate of 4.56%.

Conforming 5 year adjustable mortgage rates are averaging 4.12% this week, down from the previous week’s average mortgage rate of 4.33%.

Conforming 7 year adjustable loan rates are averaging 4.56%, down considerably from last week’s average loan rate of 4.85%.

Conforming 10-year mortgage rates are at 5.18%, down from the previous week’s average bank mortgage rate of 5.33%.

Jumbo Adjustable Mortgage Rates

Jumbo 1 year jumbo adjustable mortgage rates are averaging 5.48% this week, unchanged from the prior week’s average mortgage finance interest rate.

Jumbo 3-year jumbo ARMs are averaging 5.27% this week, down a lot from last week’s adjustable rate of 5.80%.

Current 5 year jumbo ARM is averaging 4.89% this week, down from the prior week’s average rate on a five year jumbo mortgage 0f 5.07%.

7 year jumbo ARMs are averaging 5.43% this week, down from last week’s average mortgage rate of 5.79%.

The average 10 year jumbo is at 5.95%, down from the prior week’s average 10 year mortgage rate of 6.10%.

Interest Only Mortgage Rates

3 year interest only mortgage rates are averaging 4.65% this week, down from last week’s average interest rate of 4.70%.

5 year interest only loans are averaging 4.21% this week, down from last week’s average five year interest only mortgage rate of 4.49%.

7 year IO loan rates are averaging 4.76% this week, down from last week’s average interest rate of 5.07%.

Jumbo Interest Only Mortgage Rates

3 year jumbo interest only mortgages are averaging 5.42% this week, down from last week’s jumbo interest mortgage rate of 5.95%.

5 year jumbo IO loan rates are averaging 5.24%, down from the prior week’s average IO mortgage rate of 5.40%.

The average jumbo 7 year IO loan mortgage rate is at 5.73%, down from last week’s average jumbo rate of 6.27%.

Home Equity Loans

The average home equity loan rate was up considerably this week over last. 10 year home equity loan rates decreased to 7.424% this week, down from last week’s average equity home loan rate of 7.425%. 15 year home equity rates decreased to 7.520%, down slightly from the prior week’s average equity loan rate of 7.521%.

Home Equity Line of Credit (HELOC)

Average home equity line of credit rates were down slightly this week over last. The average HELOC rate is at 4.904% this week, unchanged from last week’s average HELOC rate.

Looking for current mortgage rates? The best mortgage rates including jumbo rates can be found in your state or zip code by using our bank mortgage rate tables. Today’s Mortgage Interest Rates.

(http://cdrates.monitorbankrates.com) Guess what, average CD rates were down again this past week. The average 3 month CD rate is at 0.509 percent this week, down from last week’s average 3 month CD rate of 0.514 percent.

Looking for the highest CD Rates? Use our CD rate table to find the highest CD rates. Highest CD Rates

You can find CD rates higher than the national average rates. Using our bank CD rate tables, we found Eastbank is currently offering a 3 month certificate of deposit that has an annual percentage yield (APY) of 1.25 percent - more than double the national average 3 month CD rate.  

The average one year CD rate is 1.028 percent this week, down from last week’s average of 1.036 percent. The current average 18 month CD rate is 1.20 percent. You can also find 18 month CD rates higher than the national average. Right now, Bridgehampton National Bank is offering an 18 month CD that currently has an annual percentage yield of 2.07 percent.

Average CD Rates at Banks

• 3 month CD rates are at 0.509 percent this week, down from last week’s average rate of 0.514 percent.
• 6 month CD interest rates are at 0.753 percent, down from the prior week’s average rate of 0.758 percent.
• 12 month certificate of deposit rates are averaging 1.028 percent, down from the previous week’s average rate of 1.036 percent.
• 18 month CD rates are averaging 1.20 percent, down from last week’s average rate of 1.205 percent.
• 24 month rates are averaging 1.508 percent this week, down from the previous week’s average of 1.512 percent.
• 36 month CD interest rates are at 1.839 percent, down from the prior week’s average of 1.843 percent.
• 48 month CD rates are averaging 2.070 percent, down from last week’s average rate of 2.074 percent.
• 60 month certificate of deposits are averaging 2.357 percent, down from the prior week’s average rate of 2.360 percent.

Search for the highest bank CD rates in your zip code here: Search for the highest CD rates.

Webster Bank is offering three different checking account deals to residents of New York, Massachusetts, Rhode Island and Connecticut. From now until March 1, 2010 if you open a checking account and meet certain requirements by April 16, 2010, you can earn $25, $50 or $100.

Besides being a resident of one of those four states, you must not have opened a checking account with Webster Bank in the past 60 days to be eligible.

You must also have one direct deposit  of a payroll check, Social Security check, pension check or government benefit check or 5 Visa Check Card Signature purchases or 5 bill payments through Websteronline.com to a third party.

For the $25 checking bonus you must open a Totally Free Checking Account with a minimum deposit of $50. For the $50 checking bonus you must open a WebsterOne Relationship Checking Account with minimum deposit of $50. For the $100 checking bonus you must open a Premier Checking Account with a minimum deposit of $500.

For more information on Webster Bank’s Checking Bonus visit Webster Bank.

http://cdrates.monitorbankrates.com The national average 12 month certificate of deposit rate is at 1.024 percent this week but you can find CD rates higher than the national average rate. Right now, UFB Direct is offering a 12 month certificate of deposit yield of 1.86 percent. The minimum opening CD account deposit is $8,000.

First Federal Bank of California is offering a CD yield of 1.80. The minimum opening CD account deposit is $10,000 to receive the 1.80 percent CD yield. Nationwide Bank is also offering a CD yield of 1.80 percent with an opening deposit of $10,000. Discover Bank has a lower opening deposit of only $2,500 with a current CD yield of 1.75 percent.

Here is a list of the top 10 one year CD rates and CD yields in San Diego California. You can also search for the highest CD rates in your zip code here: Search for the highest CD rates.

Search for the best CD rates in your zip code. Best CD Rates

Freddie Mac released their 26th annual adjustable mortgage rate survey this afternoon. The mortgage survey showed that mortgage lenders who offer adjustable rate mortgages find hybrid adjustable rate mortgages far more popular with borrowers than annually adjusting adjustable rate mortgages.

The most popular of adjustable mortgage rates is the 5/1 ARM, more than 80% of lenders quoted 5/1 mortgage rates. The report also shows the popularity of ARMs increases when mortgage rates are high like they were in the late 1970’s and early 1980’s.

Looking for today’s mortgage interest rates? Use our mortgage rate tables to find current mortgage rates  in your state or zip code. Today’s Mortgage Interest Rates.

Following is the Adjustable Rate Mortgage Survey:

Fixed-rate lending has dominated the home mortgage market over the past year because of the 50-year low in interest rates for this product and the comfort that a fixed principal-and-interest payment assures the consumer,” said Frank Nothaft, Freddie Mac vice president and chief economist. “While ARM lending has been limited, those consumers who prefer an ARM generally have many lenders and products to choose from. The most offered product in the survey was the 5/1 ARM, where more than four out of five ARM lenders quoted rates. The 5/1 hybrid has a fixed rate for five years and then adjusts annually afterwards.”

ARMs originally became popular during the late 1970s and early 1980s when inflation and long-term interest rates were high. In 1984, the ARM share of home purchase loans topped 62 percent, according to the Federal Housing Finance Agency. Recently, however, overall inflation and interest rates on fixed-rate loans have been very low. In 2009, the ARM share of purchase-money conventional loans averaged just 3 percent and was the smallest annual share since 1982 when the series began.

Traditionally, the 1-year ARM, which adjusts every year, dominated the ARM market. As early as 1997, all ARM lenders offered a conforming 1-year ARM. Yet in 2009, only 23 percent of ARM lenders offered this product (up slightly from 21 percent in 2008). In addition, lenders offering a similar jumbo ARM (loan amounts that exceed Freddie Mac’s statutory loan limits) fell from 35 percent in 2008 to 23 percent in 2009, and just a couple of lenders quoted a 1-year ARM with FHA insurance; only 1 percent of FHA loans issued were ARMs during its fiscal year ending September 30, 2009.

After the 5/1 hybrid, the next most commonly found product in the ARM market was the 3/1 hybrid, which was offered by three out of five lenders. Another 3-year option is the 3/3 ARM, which adjusts every third year and is indexed to the 3-year Treasury yield, but only 7 percent of lenders offered it.

Longer-term hybrid products, such as the 7/1 and 10/1 ARMs, were also available from lenders, consisting of 55 percent and 24 percent of the survey participants, respectively. Because of the long initial fixed-rate period (7 or 10 years), the initial interest rates were priced close to or slightly above the rate on a 30-year fixed-rate loan. In general, the initial interest rate rises with the length of the initial fixed-period across the array of hybrid ARM products.

Today’s Mortgage Interest Rates

Conforming 30 year mortgage rates at 5.06 percent this week, down from the previous week’s average home mortgage rate of 5.17 percent.

Conforming 15 year mortgage rates are at 4.44 percent this week, down from last week’s average home loan interest rate of  4.55 percent.

Jumbo Mortgage Rates

30-year jumbo mortgage rates are averaging 5.72% this week, down from the prior week’s loan home rate of 5.85%.

15 year jumbo mortgage loans are averaging 5.16% this week, down from the prior week’s average mortgage home loan rate of 5.33%.

Adjustable Mortgage Rates

Conforming 1 year adjustable home mortgage loan rates are averaging at 4.50% this week, down from the prior week when one year home loans were averaging 4.57%.

Conforming 3 year adjustable mortgage interest rates are averaging 4.53%, down from last week’s average loan rate of 4.56%.

Conforming 5 year adjustable mortgage rates are averaging 4.12% this week, down from the previous week’s average mortgage rate of 4.33%.

Conforming 7 year adjustable loan rates are averaging 4.56%, down considerably from last week’s average loan rate of 4.85%.

Conforming 10-year mortgage rates are at 5.18%, down from the previous week’s average bank mortgage rate of 5.33%.

Jumbo Adjustable Mortgage Rates

Jumbo 1 year jumbo adjustable mortgage rates are averaging 5.48% this week, unchanged from the prior week’s average mortgage finance interest rate.

Jumbo 3-year jumbo ARMs are averaging 5.27% this week, down a lot from last week’s adjustable rate of 5.80%.

Current 5 year jumbo ARM is averaging 4.89% this week, down from the prior week’s average rate on a five year jumbo mortgage 0f 5.07%.

7 year jumbo ARMs are averaging 5.43% this week, down from last week’s average mortgage rate of 5.79%.

The average 10 year jumbo is at 5.95%, down from the prior week’s average 10 year mortgage rate of 6.10%.

Interest Only Mortgage Rates

3 year interest only mortgage rates are averaging 4.65% this week, down from last week’s average interest rate of 4.70%.

5 year interest only loans are averaging 4.21% this week, down from last week’s average five year interest only mortgage rate of 4.49%.

7 year IO loan rates are averaging 4.76% this week, down from last week’s average interest rate of 5.07%.

Jumbo Interest Only Mortgage Rates

3 year jumbo interest only mortgages are averaging 5.42% this week, down from last week’s jumbo interest mortgage rate of 5.95%.

5 year jumbo IO loan rates are averaging 5.24%, down from the prior week’s average IO mortgage rate of 5.40%.

The average jumbo 7 year IO loan mortgage rate is at 5.73%, down from last week’s average jumbo rate of 6.27%.

Home Equity Loans

The average home equity loan rate was up considerably this week over last. 10 year home equity loan rates decreased to 7.424% this week, down from last week’s average equity home loan rate of 7.425%. 15 year home equity rates decreased to 7.520%, down slightly from the prior week’s average equity loan rate of 7.521%.

Home Equity Line of Credit (HELOC)

Average home equity line of credit rates were down slightly this week over last. The average HELOC rate is at 4.904% this week, unchanged from last week’s average HELOC rate.

Looking for current mortgage rates? The best mortgage rates including jumbo rates can be found in your state or zip code by using our bank mortgage rate tables. Today’s Mortgage Interest Rates

Mortgage rates headed down in the latest mortgage rate report for the week ending January 18, 2010. 30 year conforming mortgage rates are nearing 5.00 percent and 15 year conforming mortgage rates are back under 4.50 percent. Jumbo mortgage rates had bigger declines this week than conforming mortgage rates.

Adjustable mortgage rates were also down for the week ending January 18, 2009. 5 year conforming adjustable mortgage rates are closing in on 4.00 percent. The current 5 year adjustable rate mortgage is at 4.12 percent, the lowest adjustable mortgage rate available right now. Jumbo ARMs had big declines this week.

Looking for today’s mortgage interest rates? Use our mortgage rate tables to find current mortgage rates  in your state or zip code. Today’s Mortgage Interest Rates.

Today’s Mortgage Interest Rates

Conforming 30 year mortgage rates at 5.06 percent this week, down from the previous week’s average home mortgage rate of 5.17 percent.

Conforming 15 year mortgage rates are at 4.44 percent this week, down from last week’s average home loan interest rate of  4.55 percent.

Jumbo Mortgage Rates

30-year jumbo mortgage rates are averaging 5.72% this week, down from the prior week’s loan home rate of 5.85%.

15 year jumbo mortgage loans are averaging 5.16% this week, down from the prior week’s average mortgage home loan rate of 5.33%.

Adjustable Mortgage Rates

Conforming 1 year adjustable home mortgage loan rates are averaging at 4.50% this week, down from the prior week when one year home loans were averaging 4.57%.

Conforming 3 year adjustable mortgage interest rates are averaging 4.53%, down from last week’s average loan rate of 4.56%.

Conforming 5 year adjustable mortgage rates are averaging 4.12% this week, down from the previous week’s average mortgage rate of 4.33%.

Conforming 7 year adjustable loan rates are averaging 4.56%, down considerably from last week’s average loan rate of 4.85%.

Conforming 10-year mortgage rates are at 5.18%, down from the previous week’s average bank mortgage rate of 5.33%.

Jumbo Adjustable Mortgage Rates

Jumbo 1 year jumbo adjustable mortgage rates are averaging 5.48% this week, unchanged from the prior week’s average mortgage finance interest rate.

Jumbo 3-year jumbo ARMs are averaging 5.27% this week, down a lot from last week’s adjustable rate of 5.80%.

Current 5 year jumbo ARM is averaging 4.89% this week, down from the prior week’s average rate on a five year jumbo mortgage 0f 5.07%.

7 year jumbo ARMs are averaging 5.43% this week, down from last week’s average mortgage rate of 5.79%.

The average 10 year jumbo is at 5.95%, down from the prior week’s average 10 year mortgage rate of 6.10%.

Interest Only Mortgage Rates

3 year interest only mortgage rates are averaging 4.65% this week, down from last week’s average interest rate of 4.70%.

5 year interest only loans are averaging 4.21% this week, down from last week’s average five year interest only mortgage rate of 4.49%.

7 year IO loan rates are averaging 4.76% this week, down from last week’s average interest rate of 5.07%.

Jumbo Interest Only Mortgage Rates

3 year jumbo interest only mortgages are averaging 5.42% this week, down from last week’s jumbo interest mortgage rate of 5.95%.

5 year jumbo IO loan rates are averaging 5.24%, down from the prior week’s average IO mortgage rate of 5.40%.

The average jumbo 7 year IO loan mortgage rate is at 5.73%, down from last week’s average jumbo rate of 6.27%.

Home Equity Loans

The average home equity loan rate was up considerably this week over last. 10 year home equity loan rates decreased to 7.424% this week, down from last week’s average equity home loan rate of 7.425%. 15 year home equity rates decreased to 7.520%, down slightly from the prior week’s average equity loan rate of 7.521%.

Home Equity Line of Credit (HELOC)

Average home equity line of credit rates were down slightly this week over last. The average HELOC rate is at 4.904% this week, unchanged from last week’s average HELOC rate.

Looking for current mortgage rates? The best mortgage rates including jumbo rates can be found in your state or zip code by using our bank mortgage rate tables. Best Mortgage Rates

Mortgage rates were down in the latest mortgage survey released by Freddie Mac. The decrease in today’s mortgage rates was the first decrease in the past few weeks. 30 year mortgage rates are down to 5.06 percent for the week ending January 14, 2010, down from the previous week’s average mortgage interest rate of 5.09 percent. Mortgage discount points were unchanged at 0.7 points.

Looking for today’s mortgage interest rates? Use our mortgage rate tables to find current mortgage rates  in your state or zip code. Current Mortgage Rates.

15 year mortgage rates decreased to 4.50 percent,, down from the prior week’s average mortgage rate of 4.50 percent. Mortgage discount points were unchanged at 0.6 points. Last year at this time 15 year mortgage rates were averaging 4.65 percent.

Adjustable mortgage rates were mixed for the week ending January 14, 2010. 5 year Treasury indexed adjustable mortgage rates decreased this week to 4.32 percent with average discount points of 0.6 points, down from the previous week’s average 5 year home loan interest rate of 4.44 percent.

Average Treasury indexed one year adjustable mortgage rates were up this week. Today’s one year mortgage rates are at 4.39 percent with an average 0.5 mortgage points, up from last week’s average mortgage rate of 4.31 percent.

For a more extensive report on current mortgage rates, MonitorBankRates.com released its weekly mortgage report on Monday, which follows:

Today’s Mortgage Interest Rates

30-year conforming mortgage rates are at 5.17 percent this week, up from the previous week’s average home mortgage rate of 5.16 percent.

15-year mortgage rates are at 4.55 percent this week, down from last week’s average home loan interest rate of  4.58 percent.

Jumbo Mortgage Rates

30-year jumbo mortgage rates are averaging 5.85% this week, up from the prior week’s loan home rate of 5.81%.

15 year jumbo mortgage loans are averaging 5.33% this week, down from the prior week’s average mortgage home loan rate of 5.34%.

Adjustable Mortgage Rates

1 year adjustable home mortgage loan rates are averaging at 4.57% this week, down from the prior week when one year home loans were averaging 4.61%.

3 year adjustable mortgage interest rates are averaging 4.56%, down from last week’s average loan rate of 4.58%.

5 year adjustable mortgage rates are averaging 4.33 percent this week, down from the previous week’s average mortgage rate of 4.36%.

7 year adjustable loan rates are averaging 4.85%, unchanged from last week’s average loan rate.

The average 10 year mortgage is at 5.33%, up from the previous week’s average bank mortgage rate of 5.28%.

Jumbo Adjustable Mortgage Rates

1 year jumbo adjustable mortgage rates are averaging 5.48% this week, up slightly from the prior week’s average mortgage finance interest rate of 5.47%.

Current 3 year jumbo ARMs are averaging 5.80% this week, up from last week’s adjustable rate of 5.60%.

Today’s 5 year jumbo ARM is averaging 5.07% this week, up from the prior week’s average rate on a five year jumbo mortgage 0f 5.04%.

7 year jumbo ARMs are averaging 5.79% this week, up from last week’s average mortgage rate of 5.67%.

The average 10 year jumbo is at 6.10 percent, up from the prior week’s average 10 year mortgage rate of 6.01 percent.

Interest Only Mortgage Rates

3 year interest only mortgage rates are averaging 4.70 percent this week, down from last week’s average interest rate of 4.72%.

5 year interest only loans are averaging 4.49 percent this week, unchanged from last week’s average five ear interest only mortgage.

7 year IO loan rates are averaging 5.07 percent this week, unchanged from last week’s average interest rate.

Jumbo Interest Only Mortgage Rates

3 year jumbo interest only mortgages are averaging 5.95% this week, up from last week’s jumbo interest mortgage rate of 5.82%.

5 year jumbo IO loan rates are averaging 5.40%, up from the prior week’s average IO mortgage rate of 5.38%.

The average jumbo 7 year IO loan mortgage rate is at 6.27%, up from last week’s average jumbo rate of 6.10%.

Home Equity Loans

The average home equity loan rate was up considerably this week over last week. 10 year home equity loan rates decreased to 7.425% this week, up from last week’s average equity home loan rate of 7.419%. 15 year home equity rates decreased to 7.521%, down slightly from the prior week’s average equity loan rate of 7.522%.

Home Equity Line of Credit (HELOC)

Average home equity line of credit rates were down slightly this week over last. The average HELOC rate is at 4.904% this week, unchanged from last week’s average HELOC rate.

Current mortgage rates including jumbo rates can be found in your state or zip code by using our bank mortgage rate tables. Today’s Mortgage Interest Rates

Bank of the West has brought back their $100 checking account deal. The $100 deal is good on their Free Checking Account and Choice Internet Checking Account.

This deal is good for new personal checking accounts and must be opened by February 19, 2010.

To qualify for the $100 bonus you must either establish one of the following after opening the account:

1) Have one monthly recurring direct deposit of at least $250 to your new checking account. The first recurring direct deposit must be posted to your account within 60 calendar days of your account opening date.

 2) Make 10 bill payments with Bank of the West Online Banking. The 10 bill payments must happen within 60 calendar days of your checking account opening date.

Once you have met either of those checking account bonus qualifications the $100 checking bonus will be credited to your checking account within 60 days.

Mortgage rates decreased in the latest mortgage applications survey released this morning by the Mortgage Bankers Association. Both 30 year mortgage rates and 15 year mortgage rates decreased.

One year adjustable mortgage rates had a considerable jump up this week to 6.83 percent, up from the prior week’s average mortgage rate of 6.42 percent.

Looking for the today’s mortgage interest rates? Use our mortgage rate tables to find the best mortgage rates  in your state or zip code. Today’s Mortgage Interest Rates.

30 year mortgage rates decreased to 5.13 percent for the week ending January 8, 2010, down from the prior week’s average mortgage rate of 5.18 percent. Mortgage discount points decreased to 1.17 points, down from the prior week’s average discount points of 1.28 points.

15 year mortgage rates are back under 4.50 percent for the week ending January 8, 2010. 15 year mortgage rates decreased to 4.45 percent, down from the previous week’s average mortgage rate of 4.62 percent. Mortgage discount points increased to 1.04 points, up from .98 points the prior week.

Lower current mortgage rates increased mortgage refinance activity. The Refinance Index, which measures mortgage refinancing applications increased 21.8 percent on a seasonally adjusted basis. The Purchase Index, which measures mortgage appliactions for purchases was up only 0.8 percent on a seasonally adjusted basis.

For a more extensive report on current mortgage rates, MonitorBankRates.com released its weekly mortgage report on Monday, which follows:

Today’s Mortgage Interest Rates

30-year conforming mortgage rates are at 5.17 percent this week, up from the previous week’s average home mortgage rate of 5.16 percent.

15-year mortgage rates are at 4.55 percent this week, down from last week’s average home loan interest rate of  4.58 percent.

Jumbo Mortgage Rates

30-year jumbo mortgage rates are averaging 5.85% this week, up from the prior week’s loan home rate of 5.81%.

15 year jumbo mortgage loans are averaging 5.33% this week, down from the prior week’s average mortgage home loan rate of 5.34%.

Adjustable Mortgage Rates

1 year adjustable home mortgage loan rates are averaging at 4.57% this week, down from the prior week when one year home loans were averaging 4.61%.

3 year adjustable mortgage interest rates are averaging 4.56%, down from last week’s average loan rate of 4.58%.

5 year adjustable mortgage rates are averaging 4.33 percent this week, down from the previous week’s average mortgage rate of 4.36%.

7 year adjustable loan rates are averaging 4.85%, unchanged from last week’s average loan rate.

The average 10 year mortgage is at 5.33%, up from the previous week’s average bank mortgage rate of 5.28%.

Jumbo Adjustable Mortgage Rates

1 year jumbo adjustable mortgage rates are averaging 5.48% this week, up slightly from the prior week’s average mortgage finance interest rate of 5.47%.

Current 3 year jumbo ARMs are averaging 5.80% this week, up from last week’s adjustable rate of 5.60%.

Today’s 5 year jumbo ARM is averaging 5.07% this week, up from the prior week’s average rate on a five year jumbo mortgage 0f 5.04%.

7 year jumbo ARMs are averaging 5.79% this week, up from last week’s average mortgage rate of 5.67%.

The average 10 year jumbo is at 6.10 percent, up from the prior week’s average 10 year mortgage rate of 6.01 percent.

Interest Only Mortgage Rates

3 year interest only mortgage rates are averaging 4.70 percent this week, down from last week’s average interest rate of 4.72%.

5 year interest only loans are averaging 4.49 percent this week, unchanged from last week’s average five ear interest only mortgage.

7 year IO loan rates are averaging 5.07 percent this week, unchanged from last week’s average interest rate.

Jumbo Interest Only Mortgage Rates

3 year jumbo interest only mortgages are averaging 5.95% this week, up from last week’s jumbo interest mortgage rate of 5.82%.

5 year jumbo IO loan rates are averaging 5.40%, up from the prior week’s average IO mortgage rate of 5.38%.

The average jumbo 7 year IO loan mortgage rate is at 6.27%, up from last week’s average jumbo rate of 6.10%.

Home Equity Loans

The average home equity loan rate was up considerably this week over last week. 10 year home equity loan rates decreased to 7.425% this week, up from last week’s average equity home loan rate of 7.419%. 15 year home equity rates decreased to 7.521%, down slightly from the prior week’s average equity loan rate of 7.522%.

Home Equity Line of Credit (HELOC)

Average home equity line of credit rates were down slightly this week over last. The average HELOC rate is at 4.904% this week, unchanged from last week’s average HELOC rate.

Looking for mortgage rates? Current mortgage rates including jumbo rates can be found in your state or zip code by using our bank mortgage rate tables. Current Mortgage Rates

Bank of Internet is advertising one of the highest savings account rates available these days. Bank of Internet has three different savings accounts and each has a different savings account rate and yield.

The savings accounts include their “High Yield Savings Account,” “Money Market Savings Account” and “Advantage Savings Account.”

The best yielding savings account is their High Yield Savings Account, the current annual percentage yield is 1.65%. Next in line for the best yield is their Money Market Savings Account which currently has an APY of 1.60% and the bank’s Advantage Savings Account has an APY of 1.55%. Bank of Internet is also offering some of the best CD rates available today.

Each savings account has different features and benefits. There are no fees or minimum balance requirements for all three accounts. Savings accounts are insured by the Federal Deposit Insurance Corporation up to $250,000. Bank of Internet’s FDIC CERT number is 35546.

Two year certificate of deposit rates are only averaging 1.512 percent this week, but you can find two year CD rates and yields better than the national average rate. 

Right now Discover Bank and Nationwide Bank are both offering one of the highest CD rates for a two year CD, the current CD rate being offer by both banks is 2.18 percent with an APY of 2.20 percent.

We have compiled a list of the top 10 two year CD rates and CD yields in Houston, Texas. You can search for the best bank CD rates in your zip code by using our CD rate tables. Best Bank CD Rates

• UFB Direct 2.21% APY Min $8,000      
• Nationwide Bank 2.20% APY Min $10,000    
• Discover Bank 2.20% APY Min $2500      
• Ally Bank 2.15% APY Min $ 1    
• AIG Bank 2.15% APY Min $2,500      
• Giantbank.com 2.11% APY Min $2,500     
• EverBank 2.05% APY Min $1,500    
• Bank of Internet USA 2.00% APY Min $1,000     
• American Express Bank FSB 2.00% APY Min $ 1    
• Capital One Bank 2.00% APY Min $1,000     

The following banks are also offering a two year CD yield of 2.00%      

• Whitney National Bank  2.00% APY Min $1,000 
• EmigrantDirect.com  2.00% APY Min $1,000 

Search for the Highest CD rates at banks.

(http://cdrates.monitorbankrates.com) As we start the year of 2010 bank CD rates head down again this week.  It will be nice when we can start writing about CD rates increasing, hopefully sometime later in the year. The average 3 month bank CD rate is at 0.514 percent this week, down from last week’s average 3 month CD rate of 0.522 percent.

Looking for the Current CD Rates? Use our bank CD rates table to find the best CD rates. Best CD Rates

Using our bank CD rate tables, UFB Direct tops the list of 3 month CD rates at banks. UFB Direct’s current 3 month certificate of deposit has an annual percentage yield of 1.22 percent. That CD rate is more than double the national average 3 month CD rate.

The average 12 month CD rate is currently at 1.036 percent, down from the prior week’s average 12 month CD rate of 1.043 percent. GiantBank.com tops our list of 12 month CD rates and CD yields. GiantBank’s 12 month CD yield is 1.81 percent.

Bank CD Rates

Search for the highest bank CD rates in your zip code here: Search for the highest CD rates.

Current mortgage rates are mixed for the week ending January 11, 2009. 30 year mortgage rates were up slightly to 5.17 percent while 15 year mortgage rates were down to 4.55 percent. After several consecutive weeks of mortgage rates increasing, rates have taken a pause this past week.

Looking for the today’s mortgage interest rates? Use our mortgage rate tables to find the best mortgage rates  in your state or zip code. Today’s Mortgage Interest Rates.

Mortgage rates started going up in the second week of December 2009 after making new record lows. The runup has been quicker than anticipated. Boston Federal Reserve President Eric Rosengren said 30 year mortgage rates will rise by .75 percent by the end of the first quarter when the Fed completes its $1.25 trillion in mortgage-backed securities.

With today’s mortgage interest rates at 5.17 percent, an increase of .75 percent will bring 30 year mortgage interest rates up to 6.00 percent. This is a big increase from current mortgage rates.

Today’s Mortgage Interest Rates

30-year conforming mortgage rates are at 5.17 percent this week, up from the previous week’s average home mortgage rate of 5.16 percent.

15-year mortgage rates are at 4.55 percent this week, down from last week’s average home loan interest rate of  4.58 percent.

Jumbo Mortgage Rates

30-year jumbo mortgage rates are averaging 5.85% this week, up from the prior week’s loan home rate of 5.81%.

15 year jumbo mortgage loans are averaging 5.33% this week, down from the prior week’s average mortgage home loan rate of 5.34%.

Adjustable Mortgage Rates

1-year adjustable home mortgage loan rates are averaging at 4.57% this week, down from the prior week when one year home loans were averaging 4.61%.

3-year adjustable mortgage interest rates are averaging 4.56%, down from last week’s average loan rate of 4.58%.

5-year adjustable mortgage rates are averaging 4.33 percent this week, down from the previous week’s average mortgage rate of 4.36%.

7-year adjustable loan rates are averaging 4.85%, unchanged from last week’s average loan rate.

The average 10-year mortgage is at 5.33%, up from the previous week’s average bank mortgage rate of 5.28%.

Jumbo Adjustable Mortgage Rates

1-year jumbo adjustable mortgage rates are averaging 5.48% this week, up slightly from the prior week’s average mortgage finance interest rate of 5.47%.

Current 3-year jumbo ARMs are averaging 5.80% this week, up from last week’s adjustable rate of 5.60%.

Today’s 5-year jumbo ARM is averaging 5.07% this week, up from the prior week’s average rate on a five year jumbo mortgage 0f 5.04%.

7-year jumbo ARMs are averaging 5.79% this week, up from last week’s average mortgage rate of 5.67%.

The average 10-year jumbo is at 6.10 percent, up from the prior week’s average 10-year mortgage rate of 6.01 percent.

Interest Only Mortgage Rates

3-year interest only mortgage rates are averaging 4.70 percent this week, down from last week’s average interest rate of 4.72%.

5-year interest only loans are averaging 4.49 percent this week, unchanged from last week’s average five ear interest only mortgage.

7-year IO loan rates are averaging 5.07 percent this week, unchanged from last week’s average interest rate.

Jumbo Interest Only Mortgage Rates

3-year jumbo interest only mortgages are averaging 5.95% this week, up from last week’s jumbo interest mortgage rate of 5.82%.

5-year jumbo IO loan rates are averaging 5.40%, up from the prior week’s average IO mortgage rate of 5.38%.

The average jumbo 7-year IO loan mortgage rate is at 6.27%, up from last week’s average jumbo rate of 6.10%.

Home Equity Loans

The average home equity loan rate was up considerably this week over last. 10 year home equity loan rates decreased to 7.425% this week, up from last week’s average equity home loan rate of 7.419%. 15 year home equity rates decreased to 7.521%, down slightly from the prior week’s average equity loan rate of 7.522%.

Home Equity Line of Credit (HELOC)

Average home equity line of credit rates were down slightly this week over last. The average HELOC rate is at 4.904% this week, unchanged from last week’s average HELOC rate.

Looking for the current mortgage rates? The best mortgage rates including jumbo rates can be found in your state or zip code by using our bank mortgage rate tables. Best Mortgage Rates

Mortgage rates decreased in the latest Primary Mortgage Market Survey released by Freddie Mac. The mortgage survey released for the week ending January 7, 2010 showed the average mortgage rate for 30 year mortgages down to 5.09 percent, a decrease from the prior week’s average mortgage rate of 5.14 percent.

The average mortgage rate for 15 year mortgages decreased to 4.50 percent, down from the prior week’s average 15 year mortgage interest rate of 4.54 percent.

Looking for the today’s mortgage interest rates? Use our mortgage rate tables to find mortgage rates  in your state or zip code. Today’s Mortgage Interest Rates.

Five year adjustable mortgage rates averaged 4.44 percent for the week ending January 7, 2010. Unchanged from the prior week’s mortgage rate. The average one year adjustable rate mortgages is down to 4.31 percent, down from the previous week’s average home loan rate of 4.33 percent.

For a more extensive report on current mortgage rates, MonitorBankRates.com released its weekly mortgage report on Monday, which follows:

Mortgage Rates

30-year conforming mortgage rates are up to 5.16 percent this week, up from last week’s average home mortgage rate of 5.13 percent.

15-year mortgage interest rates are at 4.58 percent this week, up from last week’s average home loan rate of  4.53 percent.

Jumbo Fixed Mortgage Rates

30-year jumbo mortgage rates are averaging 5.81% this week, down from the previous week’s loan home rate of 5.92%.

15 year jumbo mortgage loans are averaging 5.34% this week, unchanged from the prior week’s average mortgage home loan rate.

Adjustable Mortgage Rates - Conventional

1-year adjustable home mortgage loan rates are averaging at 4.61% this week, up from the prior week when one year home loans were averaging 4.52%.

3-year adjustable mortgage interest rates are averaging 4.58%, up from last week’s average loan rate of 4.56%.

5-year adjustable mortgage rates are averaging 4.36 percent this week, up from the previous week’s average mortgage rate of 4.28%.

7-year adjustable loan rates are averaging 4.85%, up from last week’s average loan rate of 4.77%.

The average 10-year mortgage is at 5.28%, up from the previous week’s average bank mortgage rate of 5.14%.

Adjustable Mortgage Rates - Jumbo ARMs

1-year jumbo adjustable mortgage rates are averaging 5.47% this week, up slightly from the prior week’s average mortgage finance interest rate of 5.47%.

Current 3-year jumbo ARMs are averaging 5.60% this week, down from last week’s adjustable rate of 5.62%.

Today’s 5-year jumbo ARM is averaging 5.04% this week, down from the prior week’s average rate on a five year jumbo mortgage 0f 5.19%.

7-year jumbo ARMs are averaging 5.67% this week, up from last week’s average mortgage rate of 5.60%.

The average 10-year jumbo is at 6.01 percent, down from the prior week’s average 10-year mortgage rate of 6.15 percent.

Interest Only Mortgage Rates (IO Loans) - Conventional

3-year interest only mortgage rates are averaging 4.72 percent this week, up from last week’s average interest rate of 4.69%.

5-year interest only loans are averaging 4.49 percent this week, up from last week when five year interest only mortgages averaged 4.40%.

7-year IO loan rates are averaging 5.07 percent this week, up from last week’s average interest rate of 5.00%.

Jumbo Interest Only Mortgage Interest Rates

3-year jumbo interest only mortgages are averaging 5.82% this week, unchanged from last week’s jumbo interest mortgage rate.

5-year jumbo IO loan rates are averaging 5.38%, down from the prior week’s average IO mortgage rate of 5.63%.

The average jumbo 7-year IO loan mortgage rate is at 6.10%, up from last week’s average jumbo rate of 5.96%.

Home Equity Loans

The average home equity loan rate was up considerably this week over last week. 10 year home equity loan rates decreased to 7.419% this week, up from last week’s average equity home loan rate of 7.331%. 15 year home equity rates decreased to 7.522%, down slightly from the prior week’s average equity loan rate of 7.410%.

Home Equity Line of Credit (HELOC)

Average home equity line of credit rates were down slightly this week over last. The average HELOC rate is at 4.904% this week, down from last week’s average HELOC rate of 4.912%.

Looking for the today’s mortgage rates? Current mortgage rates including jumbo rates can be found in your state or zip code by using our bank mortgage rate tables. Best Mortgage Rates

http://www.monitorbankrates.com Mortgage interest rates increased in the past two Mortgage Application Surveys released by the Mortgage Bankers Association. The mortgage survey released for the week ending December 25, 2009 showed the average contract mortgage rate for 30 year mortgages back above 5.00 percent at 5.08 percent. For the week ending January 1, 2010, 30 year mortgage rates increased to 5.18 percent.

The average contract interest rate for 15 year mortgage rates increased to 4.57 percent for the week ending December 25, 2009. For the week ending January 1, 2010, 15 year mortgage rates increased to 4.62 percent. Mortgage applications for home purchases and refinancing decreased in both mortgage surveys due to the holiday week.

Looking for the today’s mortgage interest rates? Use our mortgage rate tables to find mortgage rates  in your state or zip code. Today’s Mortgage Interest Rates.

For a more extensive report on current mortgage rates, MonitorBankRates.com released its weekly mortgage report on Monday, which follows:

Mortgage Rates

30-year conforming mortgage rates are up to 5.16 percent this week, up from last week’s average home mortgage rate of 5.13 percent.

15-year mortgage interest rates are at 4.58 percent this week, up from last week’s average home loan rate of  4.53 percent.

Jumbo Fixed Mortgage Rates

30-year jumbo mortgage rates are averaging 5.81% this week, down from the previous week’s loan home rate of 5.92%.

15 year jumbo mortgage loans are averaging 5.34% this week, unchanged from the prior week’s average mortgage home loan rate.

Adjustable Mortgage Rates - Conventional

1-year adjustable home mortgage loan rates are averaging at 4.61% this week, up from the prior week when one year home loans were averaging 4.52%.

3-year adjustable mortgage interest rates are averaging 4.58%, up from last week’s average loan rate of 4.56%.

5-year adjustable mortgage rates are averaging 4.36 percent this week, up from the previous week’s average mortgage rate of 4.28%.

7-year adjustable loan rates are averaging 4.85%, up from last week’s average loan rate of 4.77%.

The average 10-year mortgage is at 5.28%, up from the previous week’s average bank mortgage rate of 5.14%.

Adjustable Mortgage Rates - Jumbo ARMs

1-year jumbo adjustable mortgage rates are averaging 5.47% this week, up slightly from the prior week’s average mortgage finance interest rate of 5.47%.

Current 3-year jumbo ARMs are averaging 5.60% this week, down from last week’s adjustable rate of 5.62%.

Today’s 5-year jumbo ARM is averaging 5.04% this week, down from the prior week’s average rate on a five year jumbo mortgage 0f 5.19%.

7-year jumbo ARMs are averaging 5.67% this week, up from last week’s average mortgage rate of 5.60%.

The average 10-year jumbo is at 6.01 percent, down from the prior week’s average 10-year mortgage rate of 6.15 percent.

Interest Only Mortgage Rates (IO Loans) - Conventional

3-year interest only mortgage rates are averaging 4.72 percent this week, up from last week’s average interest rate of 4.69%.

5-year interest only loans are averaging 4.49 percent this week, up from last week when five year interest only mortgages averaged 4.40%.

7-year IO loan rates are averaging 5.07 percent this week, up from last week’s average interest rate of 5.00%.

Jumbo Interest Only Mortgage Interest Rates

3-year jumbo interest only mortgages are averaging 5.82% this week, unchanged from last week’s jumbo interest mortgage rate.

5-year jumbo IO loan rates are averaging 5.38%, down from the prior week’s average IO mortgage rate of 5.63%.

The average jumbo 7-year IO loan mortgage rate is at 6.10%, up from last week’s average jumbo rate of 5.96%.

Home Equity Loans

The average home equity loan rate was up considerably this week over last week. 10 year home equity loan rates decreased to 7.419% this week, up from last week’s average equity home loan rate of 7.331%. 15 year home equity rates decreased to 7.522%, down slightly from the prior week’s average equity loan rate of 7.410%.

Home Equity Line of Credit (HELOC)

Average home equity line of credit rates were down slightly this week over last. The average HELOC rate is at 4.904% this week, down from last week’s average HELOC rate of 4.912%.

Looking for the today’s mortgage rates? Current mortgage rates including jumbo rates can be found in your state or zip code by using our bank mortgage rate tables. Best Mortgage Rates

36 month certificate of deposit rates are averaging 1.84 percent this week. There are 36 month CD rates a lot higher than the national average rate.

Right now Pentagon Federal is offering a 36 month certificate of deposit yield of 3.00 percent. The minimum opening deposit is $1,000.

Below is a list of 36 month certificate of deposit rates in Dallas, Texas. You can search for the best CD rates in your zip code here: Search for the best CD rates.

Best CD Rates - Top 36 Month Certificate of Deposit Rates

Above the national average rate:

PenFed 3.00%
Nationwide Bank 2.60%
AIG Bank 2.50%
Discover Bank 2.50%
Ally Bank 2.49%
First Internet Bank of IN 2.40%
EverBank 2.25%
Bank of Internet USA 2.25%
American Express Bank FSB 2.25%
Whitney National Bank 2.25%
Tennessee Commerce Bank 2.25%
Giantbank.com 2.16%
Ameriprise Bank FSB 2.10%
Jefferson State Bank 2.00%
EmigrantDirect.com 2.00%
E-LOAN.com 2.00%
Prosperity Bank 1.86%
Bank of America 1.85%
Allstate Bank 1.85%

Below the national average rate:

Bank of Texas 1.75%
MetroBank  1.70%
North Dallas B&T  1.65%
Guaranty Bank 1.65%
Bank of America 1.60%
Legacy Bank of Texas 1.60%
UFB Direct 1.60%
HSBC Direct 1.60%
ING DIRECT 1.50%
Citibank 1.50%
Amegy Bank of Texas 1.40%
BankDirect 1.26%
Bank of the West 1.14%
Texas Capital Bank 1.01%
Wells Fargo Bank 1.01%
Wells Fargo Bank 1.01%
Wells Fargo Bank 1.01%
Broadway National Bank 1.00%
Zions Bank 0.80%
Chase 0.75%
Beal Bank 0.70%
E*TRADE Bank 0.60%

Search for the highest CD rates at banks in your zip code here: Search for the highest CD rates at banks here

Mortgage rates are up for the first week of 2010, continuing the uptrend of the past four weeks. Current mortgage rates are expected to trend higher as the Fed winds down their purchases of mortgage-backed securities by the end of March 2010.

30-year mortgage rates are up to 5.16 percent this week, the fourth week in a row of increases. On December 1, 2009 30-year mortgage rates touched a low of 4.84 percent. Bucking the trend of higher mortgage rates was 30-year jumbo mortgage rates, the average jumbo rate was down to 5.81 percent this week.

Looking for the current mortgage interest rates? Use our mortgage rate tables to find the best mortgage rates  in your state or zip code. Today’s Mortgage Interest Rates.

Mortgage Rates

30-year conforming mortgage rates are up to 5.16 percent this week, up from last week’s average home mortgage rate of 5.13 percent.

15-year mortgage interest rates are at 4.58 percent this week, up from last week’s average home loan rate of  4.53 percent.

Jumbo Fixed Mortgage Rates

30-year jumbo mortgage rates are averaging 5.81% this week, down from the previous week’s loan home rate of 5.92%.

15 year jumbo mortgage loans are averaging 5.34% this week, unchanged from the prior week’s average mortgage home loan rate.

Adjustable Mortgage Rates - Conventional

1-year adjustable home mortgage loan rates are averaging at 4.61% this week, up from the prior week when one year home loans were averaging 4.52%.

3-year adjustable mortgage interest rates are averaging 4.58%, up from last week’s average loan rate of 4.56%.

5-year adjustable mortgage rates are averaging 4.36 percent this week, up from the previous week’s average mortgage rate of 4.28%.

7-year adjustable loan rates are averaging 4.85%, up from last week’s average loan rate of 4.77%.

The average 10-year mortgage is at 5.28%, up from the previous week’s average bank mortgage rate of 5.14%.

Adjustable Mortgage Rates - Jumbo ARMs

1-year jumbo adjustable mortgage rates are averaging 5.47% this week, up slightly from the prior week’s average mortgage finance interest rate of 5.47%.

Current 3-year jumbo ARMs are averaging 5.60% this week, down from last week’s adjustable rate of 5.62%.

Today’s 5-year jumbo ARM is averaging 5.04% this week, down from the prior week’s average rate on a five year jumbo mortgage 0f 5.19%.

7-year jumbo ARMs are averaging 5.67% this week, up from last week’s average mortgage rate of 5.60%.

The average 10-year jumbo is at 6.01 percent, down from the prior week’s average 10-year mortgage rate of 6.15 percent.

Interest Only Mortgage Rates (IO Loans) - Conventional

3-year interest only mortgage rates are averaging 4.72 percent this week, up from last week’s average interest rate of 4.69%.

5-year interest only loans are averaging 4.49 percent this week, up from last week when five year interest only mortgages averaged 4.40%.

7-year IO loan rates are averaging 5.07 percent this week, up from last week’s average interest rate of 5.00%.

Jumbo Interest Only Mortgage Interest Rates

3-year jumbo interest only mortgages are averaging 5.82% this week, unchanged from last week’s jumbo interest mortgage rate.

5-year jumbo IO loan rates are averaging 5.38%, down from the prior week’s average IO mortgage rate of 5.63%.

The average jumbo 7-year IO loan mortgage rate is at 6.10%, up from last week’s average jumbo rate of 5.96%.

Home Equity Loans

The average home equity loan rate was up considerably this week over last week. 10 year home equity loan rates decreased to 7.419% this week, up from last week’s average equity home loan rate of 7.331%. 15 year home equity rates decreased to 7.522%, down slightly from the prior week’s average equity loan rate of 7.410%.

Home Equity Line of Credit (HELOC)

Average home equity line of credit rates were down slightly this week over last. The average HELOC rate is at 4.904% this week, down from last week’s average HELOC rate of 4.912%.

Looking for the best mortgage rates? Current mortgage rates including jumbo rates can be found in your state or zip code by using our bank mortgage rate tables. Best Mortgage Rates

Current auto loan rates can vary greately between different banks and credit unions. Pentagon Federal Credit Union tops our list of the best auto loan rates. PenFed’s current auto loan rate is only 3.99 percent.

Here is a list of the auto loan rates in the state of California using the auto loan rate tables on MonitorBankRates.com. This list of rates was based on a 4-year new auto loan in the amount of $30,000.

PenFed 3.990% 
LA FCU 3.875%
Bank of America 4.200%
LA Firemen’s CU 4.490%  
ChevronTexaco FCU 4.590%   
Contra Costa FCU 4.750%
Patelco CU 4.750%  
Golden 1 CU 4.990%

South Western FCU 5.000%
Safe CU 5.000%  
First Bank 5.750%  
California Credit Union 5.990%  
nuVision Financial CU 6.000%  
Bank of the West 6.240%  
Westamerica Bank 6.540%  
California Bank & Trust 6.900%  
Guaranty Bank 6.990%  
Pacific Service CU 7.790%  
HSBC 8.990%

You can use our auto loan rate tables to search for the best auto loan rates in your state. In addtion to 4-year new auto loans we have rate tables for 3-year new auto loans and 5-year new auto loans. We also have an auto loan rates for 4-year used auto loans.

Savings account rates are not expected to be much higher during the first six months of 2010 but will probably go higher later in the year if the economic recovery stays on track and the Fed raises interest rates.

The current average savings account rate for deposits of $2,500 is 0.36 percent. Savings account rates for deposits of $10,000 are at .044 percent. For account balances of $25,000 the savings rate is .051 percent and for savings account balances of $50,000 the rate is 0.56 percent.

Although the average savings account rate is less than one percent you can find rates and yields that are higher than one percent. Bank of Internet USA tops our savings table list with an 1.65 percent annual percentage yield (APY).

Here is a list of Savings Account Yields above 1.00 percent in Atlanta, Georgia:

• Bank of Internet USA  1.65% 
• UFB Direct  1.60%
• Discover Bank  1.60% 
• Salem Five Direct  1.55%
• EverBank 1.51%
• Ally Bank  1.50%
• Nationwide Bank  1.50%
• Giantbank.com  1.46%
• FNBO Direct  1.40%
• HSBC Direct 1.35%
• ING DIRECT  1.30%
• Allstate Bank  1.30%
• First Internet Bank of IN  1.25%
• Zions Bank  1.25%
• EmigrantDirect.com  1.20%
• Citibank  1.01%
• OneUnited Bank  1.01%
• AARP Financial Savings Center  1.00%

Serach for the best savings account rates in your zip code by using the savings rate tables on MonitorBankRates.com here:  Best Savings Account Rates