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Rates and Information to Help You Save & Borrow

AVERAGE LOAN RATES

30 Year Fixed Mortgage 4.24% APR
15 Year Fixed Mortgage 3.54% APR
5 Year ARM 2.93% APR
Home Equity Line 4.33%
10 Year Home Equity 5.60%
3 Year Auto Loan 3.12%

INTEREST RATE ANALYSIS

By Sol Nasisi

September 17, 2014 - Fed Chair Janet Yellen announced today that the Fed will keep rates near zero for a considerable time. This dashes the expectations of some analysts who speculated that a rebounding labor market would be enough to convince the Fed to begin raising rates later this year. It now looks unlikely that the Fed Funds Rate will be increased any time this year. Savings and short term CD rates can expect to stay at their current low levels for the foreseeable future.

The Fed is continuing to scale back its bond buying, staying on track to end all purchases by October 2014. Despite the end of these purchases, mortgages, home equity products, and auto loans continue to remain at very low levels. Longer-term CDs have drifted up slightly over the last six months in response to the Fed's asset purchases. I expect this gradual climb in longer-term CDs to continue.

You can see these rate trends on our Savings, CD, and Mortgage Rate trends page.

CD & ONLINE SAVINGS RATE TRENDS

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