Updated March 10, 2026
Today's Best Financial Rates
Compare current mortgage, savings, CD, auto loan, and personal loan rates from top lenders. Updated daily to help you find the lowest rates available.
30-Yr Mortgage
6.75%
↓ 3 bps
15-Yr Mortgage
5.99%
↓ 2 bps
HY Savings
4.85%
→ 0 bps
1-Year CD
4.75%
↓ 3 bps
Auto Loan
6.35%
↓ 3 bps
Browse Rate Categories
Mortgage Rates
Current mortgage rates for home purchases including conventional, FHA, VA, and jumbo loans.
30-Year Fixed
6.75%
Best Available
6.50%
Better.com
Refinance Rates
Today's best refinance rates for rate-and-term and cash-out refinancing.
30-Year Refi
6.85%
Best Available
6.60%
Better.com
Savings Rates
Best high-yield savings account rates, money market rates, and regular savings rates.
High-Yield Savings
4.85%
Best Available
4.75%
Capital One
CD Rates
Best certificate of deposit (CD) rates from top banks and credit unions.
3-Month CD
4.50%
Best Available
4.55%
American Express
Auto Loan Rates
Current auto loan rates for new and used car financing.
New Car 36-Month
5.85%
Best Available
4.99%
PenFed Credit Union
Personal Loan Rates
Current personal loan rates by credit score tier.
Excellent Credit (750+)
8.50%
Best Available
6.99%
LightStream
Student Loan Rates
Federal and private student loan rates for undergraduate and graduate students.
Federal Direct (Undergrad)
5.50%
Best Available
4.99%
SoFi
Credit Card Rates
Average credit card APRs for purchases, balance transfers, and cash advances.
Purchase APR
20.74%
Best Available
17.49%
Discover it
Home Equity Rates
HELOC and home equity loan rates for tapping your home's equity.
HELOC
8.50%
Best Available
7.75%
Figure
Business Loan Rates
SBA loans, term loans, and business lines of credit rates.
SBA 7(a) Loan
10.50%
Best Available
7.90%
Bluevine
Rate Trends & Lender Comparisons
Get Notified When Rates Drop
NexTool Pro members receive daily rate alerts via email. Be the first to know when mortgage, savings, or loan rates change in your favor.
Use Our Calculators to See What These Rates Mean for You
Mortgage Calculator
Calculate your monthly payment at today's rates
Refinance Calculator
See how much you could save by refinancing
Savings Goal Calculator
Plan your savings at current HY savings rates
Auto Loan Calculator
Calculate your car payment with current rates
CD Calculator
See your CD earnings at today's rates
Personal Loan Calculator
Compare personal loan costs by credit tier
Student Loan Calculator
Plan your student loan repayment
HELOC Calculator
Calculate your home equity line payments
Rate Glossary
Interest Rate vs. APR
The interest rate is the cost of borrowing the principal amount. The APR (Annual Percentage Rate) includes the interest rate plus other charges like points and fees, giving you the true cost of borrowing.
Points (Discount Points)
Points are upfront fees paid to the lender to reduce your interest rate. One point equals 1% of the loan amount. Paying points can save money over the life of the loan if you keep it long enough.
Fixed Rate vs. Variable Rate
A fixed rate stays the same for the entire loan term. A variable (or adjustable) rate can change periodically based on market conditions, usually tied to a benchmark like the prime rate.
APY (Annual Percentage Yield)
APY reflects the total interest earned on a deposit account in a year, including compound interest. Higher APY means more earnings on your savings or CDs.
Basis Points (bps)
A basis point is 1/100th of a percentage point (0.01%). When rates move by 25 basis points, that's a 0.25% change. Used to describe small rate movements precisely.
Prime Rate
The prime rate is the interest rate that commercial banks charge their most creditworthy customers. Many consumer rates (HELOCs, credit cards, adjustable mortgages) are benchmarked to the prime rate.
Rate Methodology
NexTool aggregates financial rates from multiple sources including the Freddie Mac Primary Mortgage Market Survey (PMMS), FDIC national rate surveys, the Federal Reserve's G.19 consumer credit report, SBA.gov, and lender-reported rates. Rates are updated daily on business days. The "average" rate represents the national average for each product type. The "best" rate reflects the lowest rate we've observed from the lenders in our comparison. Individual rates may vary based on credit score, location, loan amount, and other factors.
Some listings may include paid placements from lender partners. NexTool may receive compensation when you click on "Apply Now" links. This does not affect the order of rates displayed unless labeled as "Featured."
Frequently Asked Questions
How often are rates updated?
Rates are updated daily on business days, typically by 8:00 AM ET. Mortgage rates come from the Freddie Mac PMMS released every Thursday, supplemented by daily lender rate checks.
Are these the rates I'll actually get?
The rates shown are national averages and best available rates from surveyed lenders. Your actual rate will depend on your credit score, down payment, loan amount, property location, and other factors. Use our calculators to estimate payments at different rates.
What's the difference between rate and APR?
The interest rate is the cost of borrowing the principal. The APR includes the interest rate plus fees and points, giving you the total annual cost. APR is usually higher than the interest rate and is a better comparison tool.
How do I get the best possible rate?
To get the best rates: maintain a credit score of 740+, make a 20%+ down payment, keep a low debt-to-income ratio, shop at least 3-5 lenders, and consider paying discount points for a lower rate.
Should I wait for rates to drop before buying?
Timing the market is difficult. If you find a home you can afford at today's rates, buying now and refinancing later when rates drop can be a smart strategy. Our mortgage calculator can help you run the numbers.
What are rate alerts?
NexTool Pro subscribers can set rate alert thresholds. When a rate category crosses your threshold (e.g., 30-year fixed drops below 6.5%), we'll email you immediately so you can act fast.
Rates shown are for informational purposes only and do not constitute a loan offer or financial advice. All rates are subject to change without notice. NMLS #0000000. Last updated: March 10, 2026.