Money guides
Plain-English guides to the money decisions that come up most.
-
Savings
High-yield accounts, with rates checked on each bank's own site.
-
CDs
How to choose a CD and term length.
-
Checking & banking
Banking news and guides: checking, online banks and apps.
-
Budgeting
Make a budget in one evening, step by step.
-
Mortgages & home buying
A first-time buyer's guide to the money side of a home.
-
Credit cards
APRs, fees and what card news means for your balance.
-
Side hustles
Ways to make extra money on the side.
-
AI tools
What ChatGPT, Claude, Gemini and other AI plans cost.
-
Pets & family costs
What owning a pet really costs.
-
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
-
Top APY we track
Happen Bank LevelUp Savings (formerly LendingClub)
Rate with conditions; 3.00% standard rate
· Unchanged since Nov 8
4.20%
National average
0.38%
-
National average
1.76%
-
National average
0.63%
Mortgages
-
30-year fixed
Weekly average
· Down from 7.24% on Oct 29
7.18%
-
15-year fixed
Weekly average
· Down from 6.60% on Oct 29
6.57%
-
See how long a lower rate takes to pay back the closing costs.
Averages: FDIC national rates (Nov 9); Freddie Mac PMMS via FRED (Nov 5). Top APY from The Jolt Journal savings tracker, checked Nov 9. 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.
