Money guides
Plain-English guides to the money decisions that come up most.
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Savings
High-yield accounts, with rates checked on each bank's own site.
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CDs
How to choose a CD and term length.
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Checking & banking
Banking news and guides: checking, online banks and apps.
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Budgeting
Make a budget in one evening, step by step.
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Mortgages & home buying
A first-time buyer's guide to the money side of a home.
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Credit cards
APRs, fees and what card news means for your balance.
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Side hustles
Ways to make extra money on the side.
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AI tools
What ChatGPT, Claude, Gemini and other AI plans cost.
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Pets & family costs
What owning a pet really costs.
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Tools & calculators
Savings rates, refinancing, side-hustle earnings and more.
Today's rates
National averages from official sources, and the top rate in our own savings tracker.
Banking
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Savings
Top APY we track
4.20%
Happen Bank LevelUp Savings (formerly LendingClub)
Rate with conditions; 3.00% standard rate
Unchanged since Oct 22
National average
0.38%
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1-year CD
National average
1.76%
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Money market
National average
0.63%
Mortgages
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30-year fixed
Weekly average
7.32%
Down from 7.40% on Oct 15
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15-year fixed
Weekly average
6.68%
Down from 6.71% on Oct 15
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Refinance
See how long a lower rate takes to pay back the closing costs.
Averages: FDIC national rates (Oct 23); Freddie Mac PMMS via FRED (Oct 22). Top APY from The Jolt Journal savings tracker, checked Oct 23. Rates change; confirm with the bank. This site uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.
