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Rates and Information to Help You Save & Borrow


30 Year Fixed Mortgage 4.15% APR
15 Year Fixed Mortgage 3.45% APR
5 Year ARM 2.95% APR
Home Equity Line 4.31%
10 Year Home Equity 5.58%
3 Year Auto Loan 3.14%


By Sol Nasisi

November 19, 2014 - Not much new on the rate front. Two major online players (CIT and Synchrony) have raised their online savings rate and 1% APY has become the new upper tier, after hovering around .90% APY for awhile. It's the first time since 2008 that several banks have raised online savings rates simultaneously. I spoke to a friend who works in commercial banking and he told me that the banks have begun to loan freely again. Lending standards are dropping. This is another sign that the economy is beginning to heat up.

The unemployment rate fell to 5.8% in October, 2014, the lowest figure since July 2008 and before the full-on financial crash. Employers have added 200,000 jobs per month for nine straight months. Once we see figures edge closer to 300,000, we'll see bank rates begin to move up more quickly. But, if the economy continues to strengthen (which with falling oil prices it will), expect to see deposit and lending rates go higher.

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


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