Editor’s note: This is a transcript of the audio file.

Interest rates hit rock bottom in 2011. While the record low interest rates were great for spenders, savers were scraping the bottom of the barrel for returns. So, what can we expect in 2012? I’m Kristin Arnold with your Bankrate.com Personal Finance Minute.

Mortgage rates fell to record lows in 2011. Greg McBride, Senior financial analyst, with Bankrate.com, tells us where they’re headed this year.

2012 promises to be another year of very low mortgage rates with 30-year fixed-rates staying in the low to mid-4’s through most, if not all of 2012.”

It’s been miserable for savers, is there any hope in 2012?

The best that savers can hope for is that yields stop falling. This won’t be a year where they see any improvement.”

And what can consumers expect with credit card and auto loan rates?

The record low auto loan rates will persist in 2012. On credit cards, those with great credit will continue to see single-digit interest rates and zero percent balance transfer offers.”

If you’re looking for a particular interest rate, we have them all, right here, at Bankrate.com. I’m Kristin Arnold.