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Current Interest Rates

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Current interest rates by financial product

Mortgage interest rates

Compare personalized mortgage rates.

What are interest rates based on?

The bond market drives mortgage rates. That’s because home loans are packaged as bundles of securities and sold in the bond market. Global and national news events steer bond prices higher and lower, and mortgage rates move similarly in response.
NerdWallet’s daily mortgage rates are an average of the published annual percentage rate with the lowest points from a sampling of major national lenders. APR quotes reflect an interest rate plus points, fees and other expenses, providing the most accurate view of the costs a borrower might pay.

Are interest rates going to rise?

The short answer is yes, interest rates most likely will increase. That’s because the Federal Reserve has been nudging short-term interest rates higher and says it will continue to do so. While higher short-term interest rates don’t immediately affect long-term mortgage rates, they will compel longer-term rates to rise over time.
Mortgage rates are most likely to move higher in response to good economic or political news, and lower in reaction to bad news. The Fed is tightening the money supply (raising interest rates) because of continuing good national economic news, in the hope of controlling inflation.

How do your credit scores affect your rate?

Your mortgage rate is all about your credit scores. Lenders call it “risk-based pricing.” Higher credit scores indicate a lower risk that you’ll default on a loan — so you get a better interest rate. The lower your credit scores, the higher your interest rate.

» MORE: Mortgage rates and credit scores: Don’t make a $30,000 mistake

What is an APR?

An annual percentage rate is your monthly payment interest rate, plus fees. For example, you may make a monthly mortgage payment calculated at 5% interest, but because of upfront or continuing fees, your APR might be 5.25%.

» MORE: What is APR and how does it affect your mortgage?

How are these interest rates calculated?

Interest rates are based on an index, or a market-based rate plus a profit margin for the lender. Published interest rates, as seen in advertising or in online rate tools, are often national rates that are not adjusted for regional variances, and they estimate a rate that would be offered to a borrower with credit scores within a certain range. Published rates almost always vary from the rate you’ll actually get on a home loan.

More on mortgage rates:
How to get the best mortgage rates
Compare mortgage rates
How credit score affects your mortgage rate

DateAverage 30-year fixed APRAverage 15-year fixed APRAverage 5/1 ARM APR
Jan. 18, 20184.31%3.94%4.41%
Jan. 17, 20184.27%3.90%4.41%
Jan. 16, 20184.22%3.89%4.41%
Jan. 12, 20184.24%3.87%4.34%
Jan. 11, 20184.22%3.85%4.33%
Jan. 10, 20184.26%3.89%4.34%
Jan. 9, 20184.17%3.81%4.31%
Jan. 8, 20184.11%3.74%4.29%
Jan. 5, 20184.10%3.73%4.31%
Jan. 4, 20184.12%3.74%4.32%
Jan. 3, 20184.09%3.70%4.29%
Jan. 2, 20184.09%3.70%4.30%x
Dec. 21, 20174.19%3.78%4.29%
Dec. 20, 20174.19%3.77%4.28%
Dec. 19, 20174.11%3.74%4.26%
Dec. 18, 20174.09%3.67%4.20%
Dec. 15, 20174.07%3.67%4.20%
Dec. 14, 20174.07%3.65%4.19%
Dec. 13, 20174.09%3.66%4.19%
Dec. 12, 20174.08%3.63%4.20%
Dec. 11, 20174.06%3.60%4.19%
Dec. 8, 20174.06%3.60%4.18%
Dec. 7, 20174.03%3.61%4.18%
Dec. 6, 20174.03%3.62%4.128%
Dec. 5, 20174.10%3.68%4.19%
Dec. 4, 20174.10%3.66%4.18%
Dec. 1, 20174.09%3.64%4.17%
Nov. 30, 20174.09%3.63%4.17%
Nov. 29, 20174.09%3.63%4.17%
Nov. 28, 20174.04%3.60%4.12%
Nov. 27, 20174.06%3.61%4.12%
Nov. 22, 20174.09%3.64%4.09%
Nov. 21, 20174.07%3.65%4.09%
Nov. 20, 20174.09%3.65%4.06%
Nov. 17, 20174.08%3.63%4.07%
Nov. 16, 20174.08%3.62%4.08%
Nov. 15, 20174.08%3.55%4.05%
Nov. 14, 20174.11%3.62%4.07%
Nov. 13, 20174.09%3.59%4.06%
Nov. 9, 20174.04%3.53%4.03%
Nov. 8, 20174.02%3.50%4.04%
Nov. 7, 20174.02%3.49%4.03%
Nov. 6, 20174.04%3.51%4.03%
Nov. 3, 20174.08%3.50%4.01%
Nov. 2, 20174.08%3.50%4.01%
Nov. 1, 20174.09%3.49%4.02%
Oct. 2, 20174.03%3.48%3.91%
Sept. 1, 20173.93%3.35%3.85%
Aug. 1, 20174.07%3.46%3.88%
July 3, 20174.12%3.52%3.89%
June 1, 20174.07%3.46%3.81%
May 1, 20174.16%3.54%3.82%
April 3, 20174.29%3.66%3.83%
Mar. 1, 20174.36%3.74%3.84%
Feb. 1, 20174.45%3.83%3.82%
Jan. 3, 20174.38%3.80%3.87%
Dec. 1, 20164.34%3.71%3.80%
Nov. 1, 20163.76%3.17%3.61%
Oct. 3, 20163.60%3.02%3.51%
Sept. 1, 20163.64%3.07%3.54%
Aug. 1, 20163.59%2.99%3.41%
July 1, 20163.58%3.00%3.32%
June 1, 20163.82%3.18%3.48%

Source: NerdWallet. Average of the published annual percentage rate with the lowest points for each loan term offered by a sampling of major national lenders. APR quotes reflect an interest rate plus points, fees and other expenses, providing the most accurate view of the costs a borrower might pay.
Credit cards interest rates

More on credit cards:
How is credit card interest calculated?
How to choose a 0% APR credit card
Historical credit card interest rates, back to 1974
DateAverage U.S. credit card APR
Q3 201713.08%
Q2 201712.77%
Q1 201712.54%
Q4 201612.41%
Q3 201612.51%
Q2 201612.16%
Q1 201612.31%
Source: Federal Reserve. Average U.S. credit card APR denotes “the stated APR averaged across all credit card accounts at all reporting banks.”

Auto loans interest rates

More on auto loan interest rates:
Best auto loans for purchasing
Best auto loans for refinancing
How your auto credit score affects your interest rate
DateAverage 48-month auto loan APRAverage 60-month auto loan APR
Q3 20174.42%4.36%
Q2 20174.67%4.24%
Q1 20174.52%4.21%
Q4 20164.45%4.05%
Q3 20164.25%4.25%
Q2 20164.33%4.15%
Q1 20164.17%4.11%

Source: Federal Reserve. Average 48-month and 60-month auto loan APR denotes the “simple unweighted averages of each [commercial] bank’s most common rate charged during the first calendar week of the middle month of each quarter.”

Personal loans interest rates

More on personal loan interest rates:
Calculate your rate based on your credit score
What is APR on a personal loan?
Compare personal loan offers and pre-qualify
DateAverage 24-month personal loan APR
Q3 20179.76%
Q2 201710.13%
Q1 201710.05%
Q4 20169.45%
Q3 20169.64%
Q2 20169.65%
Q1 201610.03%

Source: Federal Reserve. Average 24-month personal loan APR denotes the “simple unweighted averages of each [commercial] bank’s most common rate charged during the first calendar week of the middle month of each quarter.”

Money market and CD interest rates

More on CD interest rates:
Best CD rates, updated monthly
Money market vs. CD
Best money market accounts
DateAverage Money Market APY12 month CD APY36 month CD APY60 month CD APY
1/2/18 week0.09%0.29%0.59%0.89%
12/26/17 week0.09%0.29%0.59%0.89%
12/18/17 week0.09%0.28%0.59%0.89%
12/11/17 week0.09%0.28%0.58%0.88%
12/4/17 week0.09%0.28%0.58%0.88%
11/27/17 week0.09%0.28%0.58%0.88%
11/20/17 week0.09%0.28%0.58%0.88%
11/13/17 week0.09%0.28%0.57%0.89%
11/6/17 week0.09%0.28%0.57%0.88%
10/30/17 week0.09%0.28%0.57%0.88%
10/23/17 week0.09%0.28%0.55%0.88%
10/16/17 week0.09%0.28%0.55%0.88%
10/9/17 week0.09%0.28%0.55%0.88%
10/2/17 week0.09%0.27%0.54%0.87%
9/4/17 week0.09%0.27%0.54%0.87%
8/7/17 week0.08%0.26%0.53%0.83%
7/3/17 week0.08%0.25%0.53%0.81%
6/5/17 week0.08%0.25%0.52%0.81%
5/1/17 week0.08%0.24%0.52%0.81%
4/3/17 week0.08%0.24%0.51%0.80%
3/6/17 week0.08%0.24%0.50%0.79%
2/6/17 week0.08%0.23%0.50%0.78%
1/2/17 week0.08%0.22%0.49%0.78%
10/3/16 week0.08%0.22%0.49%0.78%
7/4/16 week0.08%0.22%0.49%0.78%
4/4/16 week0.08%0.21%0.49%0.79%
1/4/16 week0.08%0.21%0.49%0.80%
10/5/15 week0.08%0.20%0.48%0.79%
7/6/15 week0.08%0.20%0.47%0.78%
4/6/15 week0.08%0.20%0.47%0.79%
1/5/15 week0.08%0.20%0.47%0.78%
10/6/14 week0.09%0.20%0.47%0.79%
7/7/14 week0.08%0.20%0.46%0.76%
4/7/14 week0.08%0.19%0.45%0.75%
1/6/14 week0.09%0.20%0.45%0.75%
10/7/13 week0.09%0.20%0.45%0.75%
7/1/13 week0.09%0.20%0.45%0.74%
4/1/13 week0.10%0.22%0.48%0.77%
1/7/13 week0.11%0.23%0.52%0.84%
10/1/12 week0.12%0.26%0.57%0.94%
7/2/12 week0.13%0.28%0.64%1.06%
4/2/12 week0.14%0.30%0.68%1.11%
1/2/12 week0.15%0.33%0.74%1.22%
10/3/11 week0.17%0.37%0.79%1.29%
7/4/11 week0.20%0.45%0.99%1.56%
4/4/11 week0.22%0.49%1.06%1.64%
1/3/11 week0.23%0.52%1.09%1.57%
10/4/10 week0.26%0.61%1.23%1.70%
7/5/10 week0.29%0.73%1.50%2.03%
4/5/10 week0.32%0.79%1.58%2.11%
1/4/10 week0.34%0.91%1.65%2.14%
10/5/09 week0.40%1.01%1.75%2.23%
7/6/09 week0.44%1.19%1.78%2.18%

Source: Federal Deposit Insurance Corporation. “Based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Data used to calculate the national rates are gathered by RateWatch. … Money market and certificate of deposit are based on the $10,000 and $100,000 product tiers for non-jumbo and jumbo accounts, respectively. Account types and maturities published in these tables are those most commonly offered by the banks and branches for which we have data — no fewer than 45,000 locations and as many as 81,000 locations reported. The deposit rates of credit unions are not included in the calculation.”