Images by Getty Images; Illustration by Issiah Davis/Bankrate The consequences of a speeding ticket in the Golden State extend far beyond the initial fine. In addition to penalties ranging from $35 to $200, California drivers see their average full coverage car insurance premiums jump by $1,215 per year after a…
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Key takeaways You can responsibly use a credit card for large purchases if you pay off the balance before it starts accruing interest. Using a credit card to pay for large but predictable expenses — like groceries, travel and appliances — can help you earn rewards and access additional benefits.…
Klaus Vedfelt/Getty Images New technology has changed the way many people get around. Ridesharing has become an incredibly popular transportation option, and that’s especially true in big cities where Uber and Lyft drivers are easy to find. With just your smartphone and a few taps of your finger, you can…
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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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Key takeaways Mutual funds can be a great way to invest for long-term goals such as retirement. There are thousands of mutual funds focused on different asset classes, such as stocks and bonds. Index funds are popular because of their low cost and diversification benefits.…
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Experience with the Program: How Debt Management Helped a First-Time Renter Katie’s journey shows clearly how debt management helped her regain control over…
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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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The fundamental flaws in the way the Federal Reserve operates these days were on full display Wednesday when Jerome Powell talked to the media after the central bank’s key policymaking committee meeting. It confirmed why there must be a drastic overhaul of our central bank—as well as new leadership. The…
Image by GettyImages; Illustration by Bankrate It’s a mixed showing for home equity rates as the Federal Reserve lowered interest rates by a quarter point, its second rate reduction in 2025. The benchmark 5-year $30,000 home equity loan fell nine basis points to 8.02 percent, its lowest level since March…
Images by Getty Images; Illustration by Hunter Newton/Bankrate Economic uncertainty over the potential impact of President Trump’s tariff policies on the cost of American goods and services has dimmed the prospects for lower personal loan rates for the remainder of 2025. At its October meeting, the Fed cut rates for…
Image by PM Images/Getty Images; Illustration by Hunter Newton/Bankrate Mortgage rates edged lower again this week, with the 30-year fixed rate averaging 6.25 percent, down slightly from 6.26 percent the previous week, according to Bankrate’s latest lender survey. Current mortgage rates Loan type Current 4 weeks ago One year ago…
The Federal Reserve is widely expected to cut interest rates again at its October meeting, bringing its key borrowing rate down to a level last seen in late 2022. Don’t count on it to cure all of your financial woes. Like a line of falling dominos, lower rates from the…
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…
Fixed-rate HELOCs are the talk of the town lately among home equity lenders and industry insiders. Home equity isn’t the flashiest corner of consumer finance, so it’s noteworthy when a buzzy new trend emerges. I talk with home lending experts all the time, and they keep telling me the same…
Key takeaways To qualify for a home equity loan or line of credit, you’ll typically need to maintain at least 20 percent equity in your home (including both your existing mortgage and the new equity loan or line of credit). Some lenders allow 15 percent. You’ll also need a solid…
Key takeaways Most checks clear within 2 business days, though some banks may hold funds for up to 7 days depending on the check amount and type. The first $225 of any check deposit must be available by the next business day, as required by federal law. Government checks, cashier’s…
Key takeaways A bump-up CD allows you to increase your interest rate one or more times during the CD’s term if rates rise, typically on 2-3 year terms. Bump-up CDs typically start with APYs that are 0.10-0.25 percentage points lower than traditional CDs of the same term, according to Bankrate…
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