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PERSONAL FINANCE: NEWS & ADVICE
News, advice and tips on mortgages, home equity loans, CDs, car loans, credit cards and MMAs, interest rates, and more.
RATE UPDATE Mortgage rates are tumbling. Is now the time to refi? See rates in your neighborhood.

TOP PERSONAL FINANCE STORIES
Mortgage rates offer chance to refi
Budgets may be tightening, but don't blame these items -- their prices have fallen as much as 88 percent.

To compare local rates enter ZIP code:
NATIONAL OVERNIGHT AVERAGESTODAY+/-LAST WEEK
30 yr fixed mtg 5.70% 5.98%
15 yr fixed mtg 5.43% 5.66%
5/1 ARM 5.93% 5.96%
30 yr fixed jumbo mtg 7.24% 7.31%
5/1 jumbo ARM 6.10% 6.16%
Rates may include points
To compare local rates enter ZIP code:
NATIONAL OVERNIGHT AVERAGESTODAY+/-LAST WEEK
$30K HELOC 5.15% 5.13%
$50K HELOC 5.05% 5.03%
$30K Home Equity Loan 8.38% 8.37%
$50K Home Equity Loan 8.43% 8.42%
$75K Home Equity Loan 8.41% 8.40%
Rates may include points
To compare local rates enter ZIP code:
NATIONAL OVERNIGHT AVERAGESTODAY+/-LAST WEEK
36 month new car loan 6.79% 6.79%
48 month new car loan 6.83% 6.83%
60 month new car loan 6.59% 6.59%
72 month new car loan 6.44% 6.44%
36 month used car loan 7.13% 7.14%
Rates may include points
Select a product to compare rates:
NATIONAL OVERNIGHT AVERAGESTODAY+/-LAST WEEK
6 month CD 2.85% 2.85%
1 yr CD 3.34% 3.36%
5 yr CD 3.75% 3.80%
1 yr IRA CD 3.01% 3.07%
5 yr IRA CD 3.63% 3.73%
Rates may include points
RETIREMENT AND INVESTMENT SPOTLIGHT
IS YOUR BANK SAFE?
Many banks are struggling in this tough economy.
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CALCULATORS
Can a new mortgage help? Calculate your payment. Earnings to the penny The range of all three scores Amortization & payment
RATE TRENDS THIS WEEK
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NEWS THIS WEEK
Professional money managers strive to beat the market. Their strategies require toil, vigilance ... and may not work. With the Fed's action pushing fixed rates below 6 percent, refinancing might be the right move for you. Despite the industry's shaky bottom line, many banks still refuse to budge on price when selling real estate. Don't let the bad-economy Grinch ruin the holidays. Here are gift ideas to spread cheer and avoid a debt blizzard. Mortgage rates take a tumble as the Federal Reserve promises to buy half a trillion dollars' worth of mortgage debt. Trading in a large vehicle to save on gas is often a losing proposition, financially. Here's why it doesn't add up.
NEWSLETTERS & ALERTS
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* Mortgage rate may include points. See rate tables for details. Click here.
* To see the definition of overnight averages click here.

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