Know what’s behind the number.
Transparent sources, explicit assumptions, and no mystery rates.
Smart Rate research & imported offers
Tracked providers use the dated observations described below. Web research requires a connected search provider. It retrieves search results and page text; it does not guarantee a current offer or complete market coverage. Extracted percentages are candidates until you review the product and terms.
Imported and edited offers are labeled as user-reviewed, not independently verified. Rate observation dates and retrieval dates are different. Unknown fees and minimums remain unknown. Numerical goal matches do not establish credit, membership, geographic, or promotional eligibility.
Comparisons assume an unchanged rate. APY estimates use effective compounding and deduct known monthly fees. Loan estimates treat APR as nominal interest for approximation; APR-based totals exclude separately entered fees to avoid counting them twice. Contract-interest totals add known upfront fees. Mortgage taxes, insurance, and escrow are excluded.
Your shortlist and goals are stored in this browser. Web research sends your search text, target rate, product, term, and city/state to Tavily; page import sends the URL. Your comparison amounts and saved offers are not sent. No subscription or payment is required.
Open Smart RatePublished rates, clearly labeled.
RateCalculate tracks a selected set of U.S. institutions and public economic benchmarks. It is not a complete market directory and does not provide prequalification, loan approvals, or personalized offers.
Checked at source means the site retrieved and parsed that published product rate during a refresh. Dated snapshot means the last included observation is being shown. Source dates remain visible beside every product.
Refreshes are cached for up to an hour, with an additional five-minute response cache. Freddie Mac mortgage benchmarks publish weekly; Treasury yields and federal funds observations generally update on business days. A successful check does not mean the underlying rate was published today.
When a source blocks automated access or its format changes, the site keeps its dated snapshot. Snapshot prices may be out of date. Confirm all terms directly with the institution before acting.
Benchmarks are not offers.
National 30- and 15-year fixed mortgage averages. These are interest rates, not APRs or quotes available to every borrower.
Treasury constant maturity yields and the effective federal funds rate. The Quant Lab uses a common observation date across Treasury maturities.
History charts group observations by calendar week and use the last available observation within each week. Missing values are omitted. Changes in dashboard cards compare the latest observation with the previous observation, in basis points.
One basis point is 0.01 percentage points. Treasury yields, mortgage rates, loan APR, and deposit APY measure different things and should not be ranked as interchangeable investments.
Tracked institutions
Observed Sep 24, 2026 · Dated snapshot
Variable APY. No minimum balance or monthly maintenance fee. Confirm current terms directly with the bank.
Observed Sep 24, 2026 · Dated snapshot
Variable APY. No monthly account fee. A division of Texas Capital Bank; deposit insurance limits apply across both brands.
Observed Sep 24, 2026 · Dated snapshot
Variable APY. No minimum deposit or account fees. Maximum balance limits apply.
Observed Sep 23, 2026 · Dated snapshot
Full withdrawal permitted after the first 6 days of funding. No partial withdrawals. Confirm current terms with Ally.
Observed Sep 24, 2026 · Dated snapshot
As low as APR for excellent credit. Membership eligibility required. Model year, mileage, credit and loan amount affect rates.
Observed Sep 24, 2026 · Dated snapshot
As low as APR, subject to credit approval and membership. Vehicle restrictions apply. Car buying service discounts are not included.
Automated product refresh adapters currently cover Navy Federal auto rates, Sallie Mae savings, Marcus savings, and Bask savings where the published page can be read. Ally and PenFed are manually verified snapshots. This directory contains no paid placements or affiliate tracking links.
Calculator assumptions
Loans. Fixed rates, equal monthly periods, and payments at month end. The formula is P × r / [1 − (1 + r)−n], with monthly rate r and n payments. Zero-interest loans use P / n. Extra payments reduce principal; the last payment is capped at the balance plus interest.
Auto APR estimates. Entered and advertised APRs are used as nominal annual interest rates. This approximates monthly payments. Disclosed APR can include finance charges; lender payment schedules may differ. Taxes and entered fees are financed. Cash outlay is down payment plus loan repayments and excludes trade-in value, fuel, maintenance, and insurance.
Mortgages. Monthly tax, insurance, HOA, and PMI estimates are added to the initial housing payment. These costs are excluded from the loan amortization and lifetime principal-and-interest total. The tool does not determine PMI eligibility or cancellation dates.
Investment growth. Effective annual return minus fee drag is converted to an equivalent monthly rate. Contributions occur at month end. Inflation discounts the final balance. Taxes, volatility, and sequence-of-returns risk are excluded.
Bonds. Fixed coupons and par redemption on a coupon-date settlement. No accrued interest, options, or default. Duration, convexity, and DV01 use the same periodic discounting model.
NPV. The initial outlay occurs at time zero; subsequent cash flows arrive at each year end. The discount rate is constant.
Privacy by design
Calculator inputs and rate searches are processed in your browser. There are no user accounts, application forms, or advertising trackers in this version. Opening a source link takes you to that institution’s site and its privacy terms. Hosting services may process ordinary request logs.