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CD Rates

12-Month CD
6.17%
APY View CD Rates

Savings Rates

High-Yield
10.47%
APY View Savings Rates

Money Market Rates

High-Yield MMA
12.00%
APY View Money Market Rates

Mortgage Rates

30-Year Fixed
4.33%
APR View Mortgage Rates

Checking Rates

High-Yield Checking
10.47%
APY View Checking Rates

Credit Card Rates

Lowest APR
1.99%
APR View Credit Cards

Personal Loan Rates

Lowest APR
3.99%
APR View Personal Loan Rates

Auto Loan Rates

New Auto Loan
3.15%
APR View Auto Loan Rates

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★ Health & Safety Star Ratings
■ Texas Ratio Analysis
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8,500+Institutions Tracked
126,376+Live Rates
1,291,564+Historical Rates

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Money & Life

The Best (and Worst) Cities to Be Young and Broke

May 13, 2026
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National Rate Trends

Average rates tracked across 8,500+ banks and credit unions — updated nightly

30-Year Fixed
6.382%
APR
▲ +0.029 this week
15-Year Fixed
6.013%
APR
▲ +0.010 this week
5/1 ARM
6.264%
APR
▼ -0.005 this week
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Today’s Best Rates

Best available rates from 8,500+ banks and credit unions — compared to national average

Featured Annual Rankings

Health & Safety Rankings

MONITORBANKRATES HEALTHIEST SMALL CREDIT UNIONS 2026
2026 Annual Ranking

100 Healthiest Small Credit Unions

Our 2026 ranking of the strongest small credit unions ($50M–$500M in assets), based on Texas Ratio data from NCUA call reports, with MBR Star Rating and Health Grade for each institution.

See the rankings
MONITORBANKRATES HEALTHIEST SMALL BANKS 2026
2026 Annual Ranking

100 Healthiest Small Banks

Our 2026 ranking of the strongest small banks ($50M–$500M in assets), based on Texas Ratio data from FDIC call reports, with MBR Star Rating and Health Grade for each institution.

See the rankings

Weekly Average Rates News

View all reports
Personal Loan Rates
Personal Loan Rates: APRs Average 10.8% | May 19, 2026
May 18, 2026 Read Personal Loan Report
Checking Rates
Checking Rates: High-Yield Jumps to 2.415% | May 19, 2026
May 18, 2026 Read Checking Rate Report
Money Market Rates
MMA Rates Mixed; Jumbo MMA Jumps to 1.764% | May 19, 2026
May 18, 2026 Read Money Market Report
Savings Rates
Savings Rates: High-Yield Climbs to 2.083% | May 19, 2026
May 18, 2026 Read Savings Rate Report
Mortgage Rates
Mortgage Rates Climb; 15-Year Jumbo Up 0.113 | May 19, 2026
May 18, 2026 Read Mortgage Rate Report
CD Rates
CD Rates Hold Steady; 12-Month at 2.838% | May 19, 2026
May 18, 2026 Read CD Rate Report
Auto Loan Rates
Auto Loan Rates Climb; New Auto at 5.698% | May 12, 2026
May 12, 2026 Read Auto Loan Rate Report

Personal Finance Insights

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Personal Finance Resources

Rate comparisons, guides, and tools across every banking and lending product — all in one place.

Shop the Best Auto Loan Rates

Compare new and used auto loan rates from banks and credit unions before you visit the dealership.

Compare Personal Loan Rates

Find low-rate personal loans for debt consolidation, home improvement, and more.

Find the Lowest Credit Card APR

Compare credit card interest rates from banks and credit unions to minimize your borrowing costs.

Financial Calculators

Free tools to help you make smarter financial decisions

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Calculators

Frequently Asked Questions

Common questions about comparing bank rates, deposits, and loans

What is APY and why does it matter for savings accounts and CDs? +
APY stands for Annual Percentage Yield. It reflects the total amount of interest you earn in one year, including the effect of compounding. Unlike a simple interest rate, APY accounts for how frequently interest is added to your balance — daily, monthly, or quarterly. When comparing savings accounts, money market accounts, or CDs, always use the APY to make an apples-to-apples comparison. A higher APY means more money in your pocket at the end of the year.
Are online banks safe? Are deposits FDIC insured? +
Yes. Legitimate online banks are insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, per institution — the same protection offered by traditional brick-and-mortar banks. Credit unions carry equivalent protection through the NCUA (National Credit Union Administration). Before opening an account, you can verify a bank's FDIC status at fdic.gov and a credit union's NCUA status at ncua.gov. MonitorBankRates only displays rates from FDIC- and NCUA-insured institutions.
How often do bank rates change, and how do I find the best rate today? +
Bank rates can change daily, weekly, or monthly depending on the institution and the Federal Reserve's monetary policy. When the Fed raises or lowers the federal funds rate, banks and credit unions typically adjust their deposit and loan rates within days or weeks. MonitorBankRates pulls verified rate data directly from institutions continuously, so the rates displayed on our comparison tables reflect current, real offers — not teaser rates or outdated averages.
What is the difference between a savings account and a money market account? +
Both are deposit accounts that earn interest, but money market accounts (MMAs) typically offer higher rates in exchange for higher minimum balance requirements. MMAs may also come with check-writing privileges or a debit card, while traditional savings accounts usually do not. High-yield savings accounts from online banks can sometimes match or exceed MMA rates with lower minimums. The best choice depends on your balance, how often you need access to funds, and whether check-writing is important to you.
What CD term length offers the best rate? +
Historically, longer CD terms (such as 24-month, 36-month, or 60-month) offered higher rates to compensate for locking up your money longer. However, in a falling-rate environment, shorter terms (3-month, 6-month, or 12-month CDs) can sometimes offer comparable or better rates as institutions compete for deposits. MonitorBankRates tracks rates across all standard CD terms so you can compare yields side by side and choose the term that balances rate with your liquidity needs.
How do I compare mortgage rates effectively? +
When comparing mortgage rates, focus on the APR (Annual Percentage Rate) rather than just the interest rate. The APR includes lender fees, points, and other costs rolled into a single annual figure, making it easier to compare true loan costs across lenders. Also consider the loan term (15-year vs. 30-year), whether the rate is fixed or adjustable, and your down payment amount — all of which affect the rate you qualify for. Getting quotes from at least three lenders on the same day gives the most accurate comparison.