Compare mortgage, savings, CD and loan rate tables

Short answer: Match the product and term, use APR for borrowing or APY for deposits, and verify the source, timestamp, fees and conditions before comparing offers.

Mortgage rates

Compare loan types, payment impact, points and closing-cost tradeoffs.

Primary source

Product	Rate / APY	APR	What changes the quote
30-year fixed	Feed pending	- Not available	Conforming purchase benchmark
15-year fixed	Feed pending	- Not available	Faster payoff, higher payment
5/6 ARM	Feed pending	- Not available	Review caps and index

Reference framework: Freddie Mac PMMS and lender disclosures. Individual offers depend on eligibility and may change without notice.

Next step: Read the mortgage rates comparison guides, see how mortgage rate and APR differ, then use the mortgage payment calculator, then use the mortgage points break-even calculator.

Savings rates

Compare APY, balance requirements, access and account restrictions.

Primary source

Product	Rate / APY	APR	What changes the quote
High-yield savings	Feed pending	- Not available	Variable APY
Money market account	Feed pending	- Not available	Check transaction rules
Standard savings	Feed pending	- Not available	National comparison baseline

Reference framework: FDIC national rates and institution disclosures. Individual offers depend on eligibility and may change without notice.

Next step: Read the savings rates comparison guides, understand how APY differs from the stated rate, then use the savings growth calculator.

CD rates

Compare yield with term length, early-withdrawal penalties and renewal rules.

Primary source

Product	Rate / APY	APR	What changes the quote
6-month CD	Feed pending	- Not available	Short-term lock
12-month CD	Feed pending	- Not available	Common ladder rung
5-year CD	Feed pending	- Not available	Check call and penalty terms

Reference framework: FDIC national rates and institution disclosures. Individual offers depend on eligibility and may change without notice.

Next step: Read the cd rates comparison guides, price the risk of early CD access, then use the cd ladder planner.

Borrowing rates

Compare APR and total cost for personal loans, auto loans and credit cards.

Primary source

Product	Rate / APY	APR	What changes the quote
Personal loan	Feed pending	- Not available	APR depends on credit and term
New auto loan	Feed pending	- Not available	Dealer and bank offers differ
Credit card	Feed pending	- Not available	Variable APR; grace period matters

Reference framework: Federal Reserve G.19 and lender disclosures. Individual offers depend on eligibility and may change without notice.

Next step: Read the borrowing rates comparison guides, learn what borrowing APR includes, then use the loan total cost calculator.

How to use a rate table without overreading it

A table is a screening tool, not a personalized offer. First confirm the source and timestamp, then match the product and term, and finally price the conditions that are not visible in one percentage.

Match the product

A fixed mortgage, variable savings account, direct CD and personal loan follow different disclosure and repricing rules. Compare like with like.

Read beyond the rate

Open the provider disclosure for APR or APY, fees, points, balance tiers, penalties, lock status and access restrictions.

Run your numbers

Use the matching calculator, then read the relevant decision guide before applying or transferring money.

What the table cannot know

It cannot know your credit profile, property, deposit balance, tax position, intended holding period or need for liquidity. Those facts can change both eligibility and the best practical choice. TODAY.you therefore does not label an offer “best” without criteria and does not display an unverified value as current.

Questions to answer before using a quoted rate

Why might a rate table show “Feed pending”?

TODAY.you withholds numeric values when the verified feed is missing, malformed or more than 48 hours old. Use the named primary source and provider disclosure until current data passes the freshness check.

Is a displayed rate a guaranteed offer?

No. A market rate or table value is a comparison starting point. Your product, credit, property, balance, term, fees and eligibility can change the offer available to you.

Should I compare the rate, APR or APY?

Use APR for many borrowing comparisons because it can include specified finance charges. Use APY for deposit growth because it includes compounding. Then compare fees and conditions in dollars.