Markets at a glance.
One screen for every consumer rate that matters. Mortgages, savings, CDs, personal loans, credit cards. Sourced from Freddie Mac, the FDIC, and the Federal Reserve. Refreshed on the same cadence as the underlying data, never older than the source itself.
The rates that move your monthly budget.
Headline number, source, last update, and a 7-point trend bar for each rate. Click through to the dedicated hub for picks and context.
National average APR for a 30-year conforming loan.
Mortgage rates >Lower rate, faster amortization. Higher monthly.
15-year picks >Best in market across major FDIC-insured online banks.
Best HYSAs >Highest 1-year APY across the 10 banks we track.
Best CDs >Average APR on a 24-month personal loan, 700+ FICO.
Personal loans >Average rate on accounts assessed interest.
Best credit cards >Three primary sources, no middlemen.
Every number you see traces back to Freddie Mac, the FDIC, or the Federal Reserve. We do not pay for placement. We do not run an affiliate auction. The lowest rate in the table is the lowest rate.
Freddie Mac PMMS for mortgages
The Primary Mortgage Market Survey is a weekly survey of more than 200 lenders, published every Thursday. We use the 30-year and 15-year national averages, then layer in lender-by-lender quotes from Marcus, Better, Rocket, Chase, Wells Fargo, and others on our mortgage hub. The PMMS is the industry's longest-running rate benchmark, dating back to 1971.
FDIC for savings and CDs
The FDIC publishes the National Rate Cap data weekly, which sets the ceiling on rates that less-than-well-capitalized banks can offer. We cross-reference this against the published rate sheets of 10 major online banks (Marcus, Bread, Synchrony, Ally, Discover, CIT, Bask, Sallie Mae, Bank5 Connect, BMO Alto). Only FDIC-insured institutions appear in our tables.
Federal Reserve G.19 for loans and cards
The Federal Reserve's G.19 Consumer Credit release, published monthly, reports the average APR on consumer loans and credit cards across all reporting banks. We use this for the headline averages and supplement with lender-specific quotes from our review pages. G.19 is the closest thing to a national consumer rate index.
CFPB shopping rules
The Consumer Financial Protection Bureau recommends getting at least three personalized quotes before committing to any consumer loan. Our role is to give you the benchmark, then send you to the product pages where you can compare specific lenders. The CFPB's published research shows shoppers who compare three lenders save roughly $1,500 to $3,000 over the life of a typical loan.
What we do not do
We do not accept payment for ranking or placement. We do not blend partner rates with public rates. We do not surface "starting at" or "as low as" teaser rates that the average shopper will not qualify for. The rate at the top of every table is the rate that the named lender publishes, full stop.
Verify any number, fast.
Mortgage benchmarks
Weekly national average for 30-year and 15-year fixed mortgages. Surveys 200+ lenders. Published every Thursday morning.
freddiemac.com / pmmsSavings rate caps
National Rate Cap data. Published weekly. Confirms FDIC insurance status for every bank we list.
fdic.gov / national-ratesConsumer credit averages
Monthly release of average APRs on personal loans and credit cards across all reporting banks. Industry-standard benchmark.
federalreserve.gov / g19Common questions.
Where do these rates come from?
Mortgage rates come from Freddie Mac's Primary Mortgage Market Survey (PMMS), released every Thursday. Savings and CD rates come directly from FDIC-insured bank rate sheets, cross-checked against the FDIC's National Rate Cap data. Personal loan and credit card averages come from the Federal Reserve's G.19 Consumer Credit release, published monthly.
How often are the numbers refreshed?
Mortgage and savings rates refresh weekly. Personal loan and credit card averages refresh monthly when the Federal Reserve publishes G.19. Each tile shows its own last-updated label so you know how fresh the number is.
Why is the credit card APR so much higher than other rates?
Credit cards are unsecured revolving debt. The lender has no collateral to seize if you default and no fixed payment schedule, so the risk premium is enormous. Card rates are also tied to prime rate, which moves with the federal funds rate. As the Fed paused around 4.25% to 4.50%, card APRs settled in the 21% range, the highest level in modern Federal Reserve data.
Are the savings yields really competing with mortgage rates?
Yes, that is the unusual feature of this rate cycle. The Fed kept short-term rates high to fight inflation, which pushed 1-year CDs above 5%. Long-term mortgage rates are anchored to the 10-year Treasury, which sits below the federal funds rate (an inverted yield curve). The result: you can earn 5% in a CD while paying 6.85% on a new mortgage, a spread of less than 200 basis points.
Can I rely on these numbers for a real lender quote?
Use them as a benchmark, not a final quote. Your actual rate depends on credit score, loan-to-value, debt-to-income, loan size, and lender. The CFPB recommends getting at least three personalized quotes before committing. Use the linked product hubs to compare specific lenders against the benchmark.
What does the sparkline show?
Each sparkline shows the rate over the last seven data points. For weekly rates that is roughly six weeks of history; for monthly rates that is six months. The bars are scaled within each tile, not across tiles, so the visual comparison is meaningful only within a single rate.
Pick a rate, run the math, make a move.
10 free calculators. No signup, no email, no upsells.