Choose the market
Open mortgage, savings, CD or borrowing rates with source and freshness context.
Compare today’s mortgage, savings, CD and loan rates.
Short answer: Use APR for borrowing and APY for deposits, then check fees, terms and timing in dollars before choosing.
No paid ranking. No “best” label without criteria. Stale feed data is withheld.
Rates are the starting point. Fees, terms and timing determine the outcome.
Transparent data statusLive lender data is not displayed until a verified feed is connected.Read the methodology
Start with the decision - Not the headline.
Use one clear route from market data to a dollar result.
Check the conditions
Compare APR or APY, fees, lock periods, balance tiers and access rules.
Calculate the dollars
Test payment, interest, future value or break-even before taking action.
Today’s rate comparison starts with a verified number.
The live feed has not passed its freshness check, so TODAY.you is showing the products and comparison rules without publishing stale numbers.
Mortgage rates
30-year fixed
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Compare loan types, payment impact, points and closing-cost tradeoffs.
Check: Conforming purchase benchmark.
Savings rates
High-yield savings
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Compare APY, balance requirements, access and account restrictions.
Check: Variable APY.
CD rates
6-month CD
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Compare yield with term length, early-withdrawal penalties and renewal rules.
Check: Short-term lock.
Borrowing rates
Personal loan
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Compare APR and total cost for personal loans, auto loans and credit cards.
Check: APR depends on credit and term.
Four markets. One honest comparison.
Start with the rate, then check the costs and conditions that change the result.
Mortgage Rates Today
A practical framework for comparing mortgage rates, APR, points and cash-to-close without mistaking a headline rate for a guaranteed offer.
Explore this market
Savings Rates Today
Compare APY with access, insurance coverage, balance tiers and account conditions so the yield you earn matches the yield advertised.
Explore this market
CD Rates Today
Evaluate certificate yields alongside term risk, withdrawal penalties, renewal windows and a ladder's real cash-flow needs.
Explore this market
Borrowing Rates Today
Compare personal loans, cards and auto financing by APR, fees, payment, total interest and the consequences of variable rates.
Explore this marketA headline rate is not your outcome.
APR, fees, balance tiers, points, penalties and timing can reverse an apparently obvious choice. Our comparison method makes those tradeoffs visible before you apply or move money.
- Rates include a source and an “as of” time
- Sponsored placement never controls editorial order
- Calculators show assumptions and do not save financial inputs
- Guides link to primary regulators and disclosures
Verify who publishes TODAY.you, read the editorial standards and see how commercial relationships are handled.
What to compare beyond the rate
- Mortgage
- APR, points, lender credits, lock period, cash to close
- Savings
- APY tiers, fees, insurance, transfer speed, conditions
- CD
- APY, term, early exit, call risk, renewal settings
- Loans
- APR, fee deductions, term, payment, total repayment
Calculate the consequence.
Each tool turns percentages into payments, interest or time.
Mortgage Payment Calculator
Build a monthly housing estimate from principal, interest, taxes, insurance, mortgage insurance and HOA dues.
Open calculatorSavings Growth Calculator
Project balance growth with APY, deposits and compounding.
Open calculatorCD Ladder Planner
Split a deposit into staggered maturities and see when cash becomes available.
Open calculatorLoan Total Cost Calculator
Place two fixed-rate loan offers side by side to compare payment pressure and total borrowing cost.
Open calculatorFind a useful next step every time you visit.
Eight direct routes refresh every six hours. The complete guide and calculator indexes stay available on every visit.
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CDs · Interactive toolPrefer a complete list? Open every decision guide or every calculator.
Answers before you compare today’s rates
What rates can I compare on TODAY.you?
TODAY.you covers mortgage rates, savings APYs, CD APYs and consumer borrowing rates. Each market uses its own comparison rules, sources and calculator because one percentage cannot describe every product.
What is the difference between APR and APY?
APR is used for many borrowing comparisons and can include specified finance charges. APY measures deposit growth with compounding. Neither number replaces a review of fees, terms and eligibility.
Why can a rate shown here differ from my offer?
A published benchmark or lender rate is a starting point, not a guarantee. Credit, property, loan term, points, deposit balance, account conditions, fees and location can change the rate or yield available to you.