Bank Rates Monitoring
Today's Best Bank Rates
Compare CD rates, savings accounts, mortgages, loans, and credit cards from
top financial institutions
top financial institutions
Rates updated: February 5, 2026 at 4:00 PM EST
Fed Funds Target Range
3.50% - 3.75%
FOMC, Jul 29 2026
30-Yr Fixed Mortgage Avg
6.66%
Freddie Mac PMMS, Aug 27 2026
15-Yr Fixed Mortgage Avg
5.98%
Freddie Mac PMMS, Aug 27 2026
Avg Credit Card APR
22.15%
Fed G.19, accounts assessed interest, Q2 2026
Best 12-Month CD
4.10%
Alliant CU and Synchrony, Aug 28 2026
Best High-Yield Savings
3.75%
CIT Bank Platinum ($5,000+), Aug 28 2026
Market Overview
National Avg Savings
0.38%
FDIC national rate, Aug 17 2026
National Avg 12-Month CD
1.71%
FDIC national rate, Aug 17 2026
Avg 60-Mo New Car Loan
7.14%
Fed G.19, commercial banks, Q2 2026
Avg 24-Mo Personal Loan
11.86%
Fed G.19, commercial banks, Q2 2026
Best CD Rates
Certificate of Deposit rates from top banks
| Bank | APY | Term | Min Deposit | |
|---|---|---|---|---|
|
S
Synchrony Bank
Online Bank
|
4.35%
APY
|
60 Months | $0 | View Details |
|
M
Marcus by Goldman Sachs
Online Bank
|
4.30%
APY
|
24 Months | $500 | View Details |
|
S
Synchrony Bank
Online Bank
|
4.30%
APY
|
16 Months | $0 | View Details |
|
A
American Express National Bank
Online Bank
|
4.25%
APY
|
10 Months | $0 | View Details |
|
S
Synchrony Bank
Online Bank
|
4.25%
APY
|
24 Months | $0 | View Details |
|
B
Barclays
Online Bank
|
4.15%
APY
|
9 Months | $0 | View Details |
|
A
Alliant Credit Union
Online Bank
|
4.10%
APY
|
12 Months | $1,000 | View Details |
|
M
Marcus by Goldman Sachs
Online Bank
|
4.10%
APY
|
9 Months | $500 | View Details |
|
S
Synchrony Bank
Online Bank
|
4.10%
APY
|
6 Months | $0 | View Details |
|
A
Ally Bank
Online Bank
|
3.90%
APY
|
12 Months | $0 | View Details |
|
S
Synchrony Bank
Online Bank
|
4.10%
APY
|
12 Months | $0 | View Details |
|
A
Ally Bank
Online Bank
|
4.00%
APY
|
18 Months | $0 | View Details |
|
B
Barclays
Online Bank
|
4.00%
APY
|
12 Months | $0 | View Details |
|
C
CIT Bank
Online Bank
|
4.00%
APY
|
12 Months | $1,000 | View Details |
|
C
Capital One 360
Online Bank
|
4.00%
APY
|
12 Months | $0 | View Details |
|
M
Marcus by Goldman Sachs
Online Bank
|
4.00%
APY
|
60 Months | $500 | View Details |
|
M
Marcus by Goldman Sachs
Online Bank
|
3.95%
APY
|
6 Months | $500 | View Details |
|
C
CIT Bank
Online Bank
|
3.90%
APY
|
11 Months | $1,000 | View Details |
|
M
Marcus by Goldman Sachs
Online Bank
|
3.90%
APY
|
12 Months | $500 | View Details |
|
C
CIT Bank
Online Bank
|
3.75%
APY
|
6 Months | $1,000 | View Details |
|
N
Navy Federal Credit Union
Online Bank
|
3.70%
APY
|
12 Months | $1,000 | View Details |
|
A
Alliant Credit Union
Online Bank
|
3.65%
APY
|
60 Months | $1,000 | View Details |
|
W
Wells Fargo
Online Bank
|
3.64%
APY
|
15 Months | $5,000 | View Details |
|
A
Alliant Credit Union
Online Bank
|
3.60%
APY
|
6 Months | $1,000 | View Details |
|
A
Alliant Credit Union
Online Bank
|
3.60%
APY
|
24 Months | $1,000 | View Details |
|
C
Capital One 360
Online Bank
|
3.60%
APY
|
60 Months | $0 | View Details |
|
W
Wells Fargo
Online Bank
|
3.54%
APY
|
11 Months | $5,000 | View Details |
|
A
Ally Bank
Online Bank
|
3.50%
APY
|
6 Months | $0 | View Details |
|
A
Ally Bank
Online Bank
|
3.50%
APY
|
60 Months | $0 | View Details |
|
A
American Express National Bank
Online Bank
|
3.50%
APY
|
12 Months | $0 | View Details |
|
B
Barclays
Online Bank
|
3.50%
APY
|
6 Months | $0 | View Details |
|
C
Capital One 360
Online Bank
|
3.50%
APY
|
24 Months | $0 | View Details |
|
N
Navy Federal Credit Union
Online Bank
|
3.50%
APY
|
24 Months | $1,000 | View Details |
|
N
Navy Federal Credit Union
Online Bank
|
3.50%
APY
|
60 Months | $1,000 | View Details |
|
U
U.S. Bank
Online Bank
|
3.35%
APY
|
5 Months | $1,000 | View Details |
|
C
Capital One 360
Online Bank
|
3.30%
APY
|
6 Months | $0 | View Details |
|
C
Chase
Online Bank
|
3.30%
APY
|
4 Months | $1,000 | View Details |
|
A
American Express National Bank
Online Bank
|
3.25%
APY
|
24 Months | $0 | View Details |
|
W
Wells Fargo
Online Bank
|
3.24%
APY
|
7 Months | $5,000 | View Details |
|
A
American Express National Bank
Online Bank
|
3.00%
APY
|
60 Months | $0 | View Details |
|
B
Barclays
Online Bank
|
3.00%
APY
|
24 Months | $0 | View Details |
|
C
Chase
Online Bank
|
3.00%
APY
|
11 Months | $1,000 | View Details |
|
U
U.S. Bank
Online Bank
|
2.85%
APY
|
9 Months | $1,000 | View Details |
|
B
Barclays
Online Bank
|
2.00%
APY
|
60 Months | $0 | View Details |
|
U
U.S. Bank
Online Bank
|
1.71%
APY
|
13 Months | $1,000 | View Details |
|
C
CIT Bank
Online Bank
|
0.50%
APY
|
60 Months | $1,000 | View Details |
|
C
CIT Bank
Online Bank
|
0.40%
APY
|
24 Months | $1,000 | View Details |
High-Yield Savings Accounts
Best savings account rates available now
| Bank | APY | Min Balance | |
|---|---|---|---|
|
C
CIT Bank
Online Bank
|
3.75%
APY
|
$5,000 | View Details |
|
B
Barclays
Online Bank
|
3.50%
APY
|
$0 | View Details |
|
M
Marcus by Goldman Sachs
Online Bank
|
3.40%
APY
|
$0 | View Details |
|
S
Synchrony Bank
Online Bank
|
3.30%
APY
|
$0 | View Details |
|
S
SoFi Bank
Online Bank
|
3.10%
APY
|
$0 + direct deposit | View Details |
|
A
Alliant Credit Union
Online Bank
|
3.01%
APY
|
$100 | View Details |
|
A
Ally Bank
Online Bank
|
3.00%
APY
|
$0 | View Details |
|
A
American Express National Bank
Online Bank
|
3.00%
APY
|
$0 | View Details |
|
C
Capital One 360
Online Bank
|
3.00%
APY
|
$0 | View Details |
|
N
Navy Federal Credit Union
Online Bank
|
0.25%
APY
|
$5 | View Details |
|
C
Chase
Online Bank
|
0.01%
APY
|
$0 | View Details |
|
W
Wells Fargo
Online Bank
|
0.01%
APY
|
$25 | View Details |
Today's Mortgage Rates
Current national average mortgage rates
30-Year Fixed
Chase
6.375%
Interest Rate
30-Year Fixed
U.S. Bank
6.625%
Interest Rate
30-Year Fixed
Wells Fargo
6.625%
Interest Rate
30-Year Fixed
Bank of America
6.875%
Interest Rate
30-Year Fixed
Rocket Mortgage
6.875%
Interest Rate
15-Year Fixed
Chase
5.500%
Interest Rate
15-Year Fixed
Navy Federal
5.625%
Interest Rate
15-Year Fixed
Wells Fargo
5.875%
Interest Rate
15-Year Fixed
Rocket Mortgage
5.990%
Interest Rate
15-Year Fixed
U.S. Bank
5.990%
Interest Rate
15-Year Fixed
Bank of America
6.000%
Interest Rate
5/5 ARM
Navy Federal
5.625%
Interest Rate
5/6 ARM
Bank of America
6.000%
Interest Rate
7/6 ARM
U.S. Bank
6.125%
Interest Rate
7/6 ARM
Wells Fargo
6.375%
Interest Rate
5-Year ARM
Rocket Mortgage
6.750%
Interest Rate
Personal Loan Rates
Current personal loan rates by credit score
| Lender | APR Range | Loan Amount | |
|---|---|---|---|
|
S
SoFi
Online Lender
|
8.99% - 25.81%
APR
|
$5K - $100K | Check Rate |
|
L
LightStream
Online Lender
|
7.49% - 25.49%
APR
|
$5K - $100K | Check Rate |
|
U
Upstart
Online Lender
|
7.80% - 35.99%
APR
|
$1K - $50K | Check Rate |
|
P
Primeak
Online Lender
|
9.99% - 29.99%
APR
|
$1K - $35K | Apply Now |
Credit Card Rates
Compare APRs and rewards from top credit cards
