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Finance news and advice from Bankrate.com Editorial team.

News & Advice
Use cell phone for budgeting
You can use your phone to track expenses as you incur them by texting, e-mailing or tweeting.
Full Story
Trends & Analysis»
Compare Rates
Interest Rate Roundup
See rates from our survey of CDs, mortgages, home equity products, auto loans and credit cards.

Mortgages
Rates fall to new low
Mortgage rates declined again, and experts are uncertain whether they'll go up or down in the future.

Tracking Rates
Graph rate trends
COFI, LIBOR, prime rate
Your Best Interest Report
Federal Reserve Coverage
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Mastering IRAs»
An egg and money in a bird's nest with at $1 bill in the background
SIMPLE IRA a cinch
These hassle-free plans are designed for businesses with fewer than 100 employees.
Know your RMDs
Traditional or Roth IRA?
Self-employed? SEP IRA!
2010 Credit Card Guide»
Best ways to build credit
When you can't qualify for a regular credit card, other payment cards can help build your credit score.
Brokerages offer rewards
Under 21? Cards hard to get
Reasons to get credit card
Get a news alert »
Basics»
Related links:
auto
Top 11 dealer tricks
Most dealers aren’t really out to rip you off, but keep in mind that car dealerships are for-profit entities.
Related links:
credit cards
Is a charge card same as a credit card?
A charge card usually must be paid in full each month and require an excellent credit score.
Related links:
debt
15 signs of serious debt trouble
Many with debt woes first opt for self-help, but these plights may be best aided by a financial fitness expert.
Related links:
investing
Money market accounts
Don't lose money. That’s the first rule of careful investing. Consider money market accounts to start.
Related links:
retirement
Know your required minimum distribution
Eventually, the feds want their share of your tax-deferred retirement funds. Make sure you withdraw correctly.
Related links:
taxes
Earned income tax credit
The earned income tax credit provides a break for lower and moderate wage workers.
Safe & Sound Ratings»
Is your money safe?
or ? See your bank, thrift or credit union's star rating. Find one that's safe enough for you.
See star ratings explanation »
2010 CD Exclusive»
cds
CD penalties are costly
Savers who dump low-yielding CDs before maturity may pay dearly, a Bankrate survey finds.
View more CD stories »
Calculators »
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Bankrate Advisers
Bankrate Blogs
Mortgage Matters Blog
FHA commissioner says he's a parent guiding the kids; beware foreclosure-prevention scams.
Plastic Rap Blog
Few issuers still use overlimit fees, which the new credit card law makes more difficult to charge.
Fed Outlook Blog
The Beige Book was released Wednesday.
Eye On The IRS Blog
Homeowners say bills are too high, but some cities are shutting off services.
Your Wealth Blog
A millionaire bubble? The latest research shows the percentage of the rich increased in 2009.
Get a news alert »
News This Week »
mortgage»
Credit score undercuts home mortgage plan
Fixing 3 common FHA loan snags
cds»
Savers not stuck with low CD rates
2010 CD early withdrawal penalty study
credit cards»
5 ways the CARD Act helps balance carriers
Is interest after credit card payoff legal?
debt»
4 tips on making a personal loan to family
5 money jams bankruptcy can fix
auto»
Toyota offers incentives to entice buyers
2 car loans could kill your credit
investing»
Look for holistic financial planning
SEC: New rules for money market funds
taxes»
IRS holds $1.3 billion in unclaimed refunds
Don't miss these 10 overlooked tax breaks
college»
College search: finding your best school
5 tips on reading your Student Aid Report
retirement»
Age impacts Roth IRA conversion debate
Financial adviser can map retirement
insurance»
Screening a new home insurance company
Life insurance policy requires consent
real estate»
Capital gains tax exclusions of $1.5 mil?
Unpaid liens can ruin a short sale
savings»
Know rate before cashing savings bond
Cash savings bonds carefully
About this index
Overnight Averages
Product Rate +/- Last week
30 yr fixed
5.00%
5.01%
15 yr fixed
4.35%
4.36%
5/1 ARM
3.94%
3.90%
View rates in your area:
Product Rate +/- Last week
30K HELOC
5.20%
5.21%
30K Home Equity Loan
8.07%
8.14%
50K HELOC
4.90%
4.90%
View rates in your area:
Product Rate +/- Last week
48 Mo Used Car
6.71%
6.92%
48 Mo New Car
6.58%
6.84%
36 Mo Used Car
6.86%
7.07%
View rates in your area:
Product Yield +/- Last week
6 Mo CD
0.99%
0.98%
1 Yr CD
1.47%
1.42%
5 Yr CD
2.85%
2.91%
Compare rates:
Product Rate
Low Interest Cards 9.93%
Balance Transfer Cards 15.04%
All Variable 13.75%
Compare rates:  
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ByHolden Lewis
Mortgage Matters Blog»
mortgage
FHA commissioner says he's a parent guiding the kids; beware foreclosure-prevention scams.
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retirement
Steps to retirement
Follow those tips to kick-start your retirement savings.
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