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Interest rates are coming down

Bankrate’s experts are reacting live to the Federal Reserve’s first interest rate cut since 2020, expected today, and all the ways it could impact your personal finances.

Follow along

Chair of the Federal Reserve, Jerome Powell

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Top mortgage offers

Make your dream home a reality with the right mortgage.

Compare mortgage rates

Term: 10-year fixed
Rate: 4.59%
APR: 4.77%

Term: 15-year fixed
Rate: 4.68%
APR: 4.85%

Term: 30-year fixed
Rate: 5.43%
APR: 5.56%

Bankrate “top offers” represent the weekly average interest rate and average of APRs among top offers featured on Bankrate for the loan type and term selected, as of September 18, 2024.

Current mortgage trends

Top offers for a 30-year fixed mortgage on Bankrate are currently 0.81% lower than the national average.

Compare mortgage rates

Bankrate “top offers” represent the weekly average interest rate among top offers featured on Bankrate for the loan type and term selected, as of September 18, 2024.

“National average” is determined by averaging interest rate information provided by 100-plus lenders nationwide. The current national average 30-year fixed mortgage APR is 6.24% as of September 18, 2024.

Today’s top CD rates

Put your money to work and earn extra interest when you stash it in a high-yield CD.

Compare CD rates

Term: 6 Month
APY^*: 4.52%
vs Nat Avg: 2.75%

Term: 1 Year
APY^*: 4.60%
vs Nat Avg: 2.80%

Term: 5 Year
APY^*: 3.72%
vs Nat Avg: 2.28%

*Average annual percentage yield featured on Bankrate as of September 18, 2024.

Current CD trends

Top offers on Bankrate for a one-year CD are currently 2.8% higher than the national average.

Compare CD rates

Bankrate “top offers” represent the average of the top CD offers from the institutions we track, featured on Bankrate as of September 18, 2024.

“National average” is determined by Bankrate's comprehensive national survey of savings accounts and CDs. The current national average for a one-year CD is 1.8% as of September 18, 2024.

Today’s top savings rates

Make the most of today’s competitive rates and grow your money with a high-yield savings account.

Compare savings rates

Type: Savings
APY^*: 4.64%
vs Nat Avg: 4.03%

Type: Money Market
APY^*: 3.64%
vs Nat Avg: 3.19%

*Average annual percentage yield featured on Bankrate as of September 18, 2024.

Current savings trends

Top offers on Bankrate are currently 4.03% higher than the national average.

Compare savings rates

Bankrate “top offers” represent the average of the top savings account offers from the institutions we track, featured on Bankrate as of September 18, 2024.

“National average” is determined by Bankrate's comprehensive national survey of savings accounts and CDs. For savings, the current national average is 0.61% as of September 18, 2024.