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RATE UPDATE Mortgage rates are tumbling. Is now the time to refi? See rates in your neighborhood.
8 ways to harness the Web for holiday bargain-hunting
SMART SPENDING
8 ways to harness the Web
for holiday bargain-hunting
The Internet is a powerful holiday shopping tool. Find out how to snag deals, ship smart and save big.
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  • Rates are falling -- time to refi?
  • Tax won't touch death benefit
  • 4 ways to cut commuting costs
  • To compare local rates enter ZIP code:
    NATIONAL OVERNIGHT AVERAGESTODAY+/-LAST WEEK
    30 yr fixed mtg 5.64% 5.81%
    15 yr fixed mtg 5.36% 5.53%
    5/1 ARM 5.91% 5.90%
    30 yr fixed jumbo mtg 7.15% 7.29%
    5/1 jumbo ARM 5.99% 6.17%
    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 6.78% 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
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    NATIONAL OVERNIGHT AVERAGESTODAY+/-LAST WEEK
    6 month CD 2.85% 2.83%
    1 yr CD 3.33% 3.36%
    5 yr CD 3.73% 3.78%
    1 yr IRA CD 2.95% 3.07%
    5 yr IRA CD 3.55% 3.73%
    Rates may include points
    COMPARE RATES
    Compare rates from mortgages, home equity, auto loans, CDs, MMA High Yields and more.
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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
    SPOTLIGHT

    IS YOUR BANK SAFE?
    Many banks are struggling in this tough economy.
    Is yours safe?
    Check your bank's
    BANKRATE VIDEOS
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    Refinance interest savings
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    SAVE YOUR HOME
    Struggling to pay your mortgage? Read this.
    NEWS THIS WEEK
    Budgets may be tightening, but don't blame these items -- their prices have fallen as much as 88 percent. 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.
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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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