Key takeaways AI savings apps use machine learning to analyze your spending patterns and offer personalized strategies. These apps can automatically cancel unwanted subscriptions, find better deals and optimize your budget based on your behavior. Popular AI-powered tools like Cleo, Rocket Money and Hopper can save users an average of…
Key takeaways Looking at the past four decades, the average rate on a 30-year fixed mortgage peaked in 1981, rising just above 16%. The average 30-year fixed rate bottomed in 2021 at just under 3%. So far in 2025, the average 30-year mortgage rate has fluctuated between 6.26% and 7.19%. As…
Images by GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways In most parts of the U.S., a jumbo loan is a mortgage exceeding $832,750 as of 2026, but the amount varies by county. Jumbo loans generally require a higher credit score, a higher level of income or assets and a larger…
Key takeaways MoneyPass operates 40,000+ fee-free ATMs nationwide — one of the largest surcharge-free networks in America. Major banks like US Bank, Capital One, and fintech apps like Venmo, Cash App, and SoFi all use MoneyPass for fee-free withdrawals. Find MoneyPass ATMs at 5,000+ Walmart locations, plus Hy-Vee, Circle K,…
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The nation’s 75 million Social Security recipients will receive a 2.8% cost of living adjustment (COLA) increase in their benefits…
Historically Black colleges and universities are on the frontlines of the One Big Beautiful Bill Act’s new limits on parent…
The big new fees JPMorgan Chase is planning to charge some financial technology companies may well trickle down to consumers,…
With artificial intelligence beginning to eat away at many white-collar entry-level jobs, and the unemployment rate for recent college graduates…
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Alexandria City, Arlington, Clarke, Culpeper, Fairfax, Fairfax City, Falls Church City, Fauquier, Fredericksburg City, Loudoun, Manassas City, Manassas Park City, Prince William, Rappahannock, Spotsylvania, Stafford and Warren counties: $1,249,125 Madison County: $1,209,750 All other counties: $832,750 Washington loan limits Caret Down Icon Summit and Wasatch…
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Key takeaways Unsecured debt, such as credit cards, student loans, medical bills and high-interest loans can all be consolidated. Debt consolidation can simplify…
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OBSERVATIONS FROM THE FINTECH SNARK TANKBankers wants to discuss AI strategy. They’re excited about chatbots, machine learning models, generative AI tools, and AI…
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Image by PM Images/Getty Images; Illustration by Hunter Newton/Bankrate Mortgage rates rose this week, with the 30-year fixed rate averaging 6.34%, up from 6.28% the previous week, according to Bankrate’s latest lender survey. Current mortgage rates Loan type Current 4 weeks ago One year ago 52-week average 52-week low 30-year…
Roth IRAs and traditional IRAs can be a great way to save and invest for retirement, but they come with specific income and contribution limits. The IRS generally adjusts these limits each year to account for inflation. Roth and traditional IRA contribution limits Each year, you can contribute a specific…
Lower interest rates from the Federal Reserve are often something you can only fully appreciate in hindsight. A single quarter-point cut won’t move the needle on a household’s budget. Multiple cuts over time, however, are where the real savings start to add up. If officials at the U.S. central bank…
Sabrina Leonard’s life has grown more difficult over the past two years. The 49-year-old Spring Hill, Kansas, resident has watched her rent, utilities and grocery bills steadily rise while her paycheck has remained the same. Things came to a head in early 2025. She was $600 short on rent, $700…
Key takeaways IRAs are a tax-advantaged way to save for your future. You can open an account even if you’re also investing in an employer-sponsored account like a 401(k), assuming you meet the other IRA eligibility requirements. The two main types of IRAs are traditional and Roth, but depending on…
Holiday scams have become more challenging to spot than ever, especially with the rise of AI in 2025. Even though the holiday season is the most wonderful time of the year, it is also the time when fraudsters and cybercriminals are most active. Inboxes are flooded with “flash sales” and…
Key takeaways If you’re looking to increase your credit limit, the best place to start is on your issuer’s mobile app or website. If that’s not an option, call your issuer directly and talk to them about the process. If your issuer denies your credit limit increase, find out why…
Key takeaways Most major credit issuers no longer allow co-signers, although a few issuers allow you to create joint accounts with another person. Becoming a credit card co-signer comes with significant financial risk and should not be taken lightly. There are many alternatives to applying for a credit…
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict editorial policy, so you can trust that…
Citi is an advertising partner. Key takeaways Getting preapproved for a Citi credit card reveals your odds of being approved without requiring a hard inquiry on your credit. There are several steps you can take to boost your chances of preapproval, such as monitoring your credit reports and improving your…
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