Key takeaways The NCUA (National Credit Union Administration) insures credit union deposits up to $250,000 per depositor, per institution, per ownership category. NCUA insurance provides the same protection as FDIC insurance at banks. Both are backed by the full faith and credit of the U.S. government. Joint accounts receive $250,000…
Key takeaways Your credit card APR can go up if the prime rate changes, you paid your credit card bill late, your intro APR offer ended or your credit score dropped. If your APR increases, you can work on paying down your balance or transfer your balance to a card…
Image by PM Images/Getty Images; Illustration by Hunter Newton/Bankrate Mortgage rates fell this week, with the 30-year fixed rate averaging 6.18%, down from 6.25% last 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 6.18%…
Images by Getty Images; Illustration by Hunter Newton/Bankrate A construction loan is a short-term, high-interest loan used to finance building a home. Funds are paid out in phases over the course of construction and typically cover land, materials, contractor labor and permits. They tend to have stricter qualification requirements than…
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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…
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DenisTangneyJr/Getty Images Key takeaways Bridge loans are short-term loans that help cover costs during transitional periods, most often if you must buy a new home before selling your old one. Like a mortgage, your home may serve as collateral for a bridge loan. Some bridge…
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2. Coaching and Tutoring Take stock of your areas of expertise – maybe you speak a second language or solving math equations comes…
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These entrepreneurs, traders and investors are making an outsized impact in fintech, crypto and traditional financial services.By Jeff Kauflin, Hank Tucker and Nina…
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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…
Credit: ©️ Allard Schager/Getty Images; Illustration by Issiah Davis/Bankrate Shopping for a home in Florida often means navigating a market of extremes, from modest homes in rural areas to multimillion-dollar mansions and high-rises in Miami. Overall, it’s a mixed picture for the housing market in the Sunshine State, with shifting…
Credit: Nate Hovee/Getty Images; Illustration by Issiah Davis/Bankrate California home prices are some of the highest in the country, with the median home price in December 2025 hitting $850,680, according to the California Association of Realtors. That means most buyers will need a mortgage to afford a home. Just like…
Credit: Images by Getty Images; Illustration by Issiah Davis/Bankrate When you work with an online mortgage lender, the entire application process often happens without any face-to-face interaction. Online mortgage companies don’t have branch locations; instead, they operate exclusively online. To assemble our list of the best online lenders, we’ve reviewed…
With winter in full swing, many households are bracing not just for freezing temperatures but also for the “financial freeze” the season brings. Winter introduces a unique set of seasonal expenses that can significantly drain savings or catch you off guard. By understanding these hidden costs and effectively winterizing your…
A 16th birthday is a major milestone. There’s the driver’s license, the newfound freedom, the open road. Then, for most families, comes the insurance bill. “It was exhausting,” said S. Bowers, an Ilinois-based project manager mom who recently shopped for car insurance for her 17-year-old son. “I got several quotes,…
Pekic/GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways A mortgage lets you purchase a property, while a home equity loan — which is a type of second mortgage — allows you to tap the value of your property to get cash. Compared to other forms of credit, both mortgages and home…
Key takeaways The value of the child tax credit in 2025 (for tax returns filed in 2026) is $2,200, up from $2,000 in 2024. Going forward, the value of the child tax credit will be adjusted for inflation each year. There are income limits: The child tax credit starts to…
Key takeaways An LLC has access to some small business loans that are designed specifically for funding a variety of business expenses. LLC loans can be used for many things, including working capital, covering start-up costs, equipment or inventory purchases, advertising and marketing and even commercial real estate. Signing a…
A complicated U.S. economy. Stubborn inflation and a jobless boom. Unprecedented conflict with the president. Personnel changes, and a new Fed chair. Federal Reserve officials are no stranger to difficult economic moments, but the upcoming year could prove to be more dramatic than usual for the U.S. central bank —…
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