Image by PM Images/Getty Images; Illustration by Hunter Newton/Bankrate Mortgage rates dipped this week, with the 30-year fixed rate averaging 6.24%, down from 6.25% last week and the lowest level since September 2024, according to Bankrate’s latest lender survey. Current mortgage rates Loan type Current 4 weeks ago One year…
Alexandr Dubynin/Getty Images Key takeaways Personal loans aren’t among Bank of America’s product offerings. You can access a small, affordable short-term loan if you’re a current customer and meet the eligibility criteria. You can also explore Bank of America’s HELOC, car loan, mortgage and credit card products to get the…
Ilya Ginzburg/EyeEm/Getty Images Key takeaways Opening a money market account requires the same documentation as any other bank account including a government-issued ID and your Social Security number, along with a way to fund the account. Read the fine print prior to opening a new money market account to make…
Carlina Teteris/Getty Images With so many rewards cards strategies to consider — like bonus categories, travel points and miles valuations and more — some cardholders opt to go the simpler route. A flat-rate cash back card lets you earn a consistent, unlimited rewards rate for every purchase you make. Redemption…
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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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Homeowners tapping their equity in 2026 should expect borrowing to get more affordable, with rates reaching their lowest levels since at least 2023, according to Ted Rossman, Bankrate’s senior industry analyst. Rossman — who has covered the economy, interest rates, consumer debt and the Federal…
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Buy now, pay later (BNPL) as a payment option is available seemingly everywhere. From department stores to airline tickets, you can make payments…
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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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To recover from holiday spending without stress, you must first assess the damage by tallying all holiday receipts and statements. Once you have the total, create a recovery budget that excludes discretionary spending and prioritizes debt repayment using strategies such as the debt snowball or avalanche. Accelerate this process by…
Justin Sullivan/GettyImages Brokerages are aggressively competing for your money. One way they do that is by offering competitive bonuses in the form of cash that you can add right to your brokerage account. Bankrate tracks the best brokerage account bonuses to help you compare active offers. Best brokerage account bonuses…
From macroeconomic factors like inflation and job-market uncertainty to sector-specific disruptions, investors face risks big and small. Building a portfolio that has at least some less risky assets in it can be useful to help you ride out market volatility. The trade-off, of course, is that in lowering risk exposure,…
Dougal Waters/Getty Images Key takeaways First-time car buyer programs offer flexible qualification requirements and other incentives to make it easier for those with little or no credit history to finance their first car purchase. These programs typically have eligibility criteria such as being at least 18 years old, providing proof…
PBNJ Productions/ Getty Images; Illustration by Austin Courregé/Bankrate Key takeaways Several emergency loan types, including personal loans and credit card advances, can fund urgent needs quickly — in some cases within one business day. Payday loans and title loans should be used as a last resort since they come with…
Key takeaways Private student loans may offer higher borrowing limits and potentially lower interest rates compared to federal loans, but they lack benefits like income-driven repayment plans and loan forgiveness. Private student loans may also be tax deductible, but they can carry the risk of potentially not being discharged in…
Image by PM Images/Getty Images; Illustration by Hunter Newton/Bankrate Mortgage rates were unchanged this week, with the 30-year fixed rate again averaging 6.30%, 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 6.30% 6.32% 6.94% 6.68%…
Key takeaways Car insurance companies have the right to not offer standard coverage to drivers with serious or numerous infractions on their driving record. Some standard car insurance companies may offer coverage to high-risk drivers, but more often you will need to get a policy from a carrier specializing in…
When unexpected expenses pile up and the emergency fund runs dry, where can you turn for money? For many people, their biggest stash of savings is hidden away in retirement plans, such as IRAs and 401(k)s. But if you withdraw money from a 401(k) or IRA before turning 59½, generally…
Roth IRAs allow your savings to grow tax free and allow tax free withdrawals in retirement. Your income determines whether you can contribute and how much you can add. The IRS sets annual income limits based on your tax filing status. These limits decide whether you can make a full…
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