You’ve heard of home equity lines of credit (HELOCs) and home equity loans, which let you borrow against the value of your home, getting ready cash for renovations, debt consolidation or anything else. But jumping through the income-qualification hoops that characterize much home-based financing may be difficult for borrowers with…
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%…
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Image by GettyImages; Illustration by Bankrate Key takeaways Non-qualified mortgages, known as non-QM loans, are an option for those who might struggle to qualify for a standard mortgage, such as self-employed borrowers and gig workers. Non-QM loans have more flexible income and credit standards, but…
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Image: Getty Images; Illustration: Bankrate Mixed action for home equity rates in the latest week, with both products landing at their lowest level in three years. The benchmark five-year $30,000 home equity loan fell six basis points to 7.92%, according to Bankrate’s national survey of lenders. At the same time,…
Key takeaways Refinancing your mortgage means replacing your home’s current mortgage loan with a new one. Homeowners typically refinance to lower their interest rate, but there are other reasons to consider it as well. Refinancing requires paying closing costs, which can be extensive, so it’s important to determine whether you’ll…
For workers who are used to receiving their paycheck every other week, the calendar is aligned in January to give some biweekly wage earners “bonus” third paychecks during the year. For 2026, the bonus months are either January and July (if the first paycheck was paid on Jan. 2), or…
Oleksandra Yagello/Getty Images The average credit card interest rate is 19.62%, down from a record-high 20.79% set on Aug. 14, 2024. Current credit card interest rates Weekly national averages Variable 01/21/2026 19.62% 01/14/2026 19.64% 01/07/2026 19.65% 12/31/2025 19.72% 12/24/2025 19.73% 12/17/2025 19.75% 12/10/2025 19.80% 12/3/2025 19.83% 11/26/2025 19.86% 11/19/2025 19.87%…
sarayut Thaneerat/Getty Images Growth stocks are routinely some of the market’s hottest stocks, and it’s not unusual to have the market’s top performers double or even triple inside of a year. But finding those outperformers takes a lot of time and analysis. What if you could find winners with much…
Getting behind the wheel without car insurance can quickly turn into an expensive mistake. If you are caught driving without coverage, you run the risk of facing penalties, including fines, loss of your driver’s license and potentially jail time. If you cause an accident while driving uninsured, you may have…
State Department of Insurance contact information Alabama Department of Insurance201 Monroe St, Ste 502, P.O. Box 303351Montgomery, AL 36104 Phone: 334-269-3550Email: [email protected] https://www.aldoi.gov/ Alaska Department of Community and Economic Development, Division of Insurance Anchorage office: 550 W 7th Ave, Ste 1560, Anchorage, AK 99501Juneau office: 333 Willoughby Ave, 9th Fl,…
If you are looking for holiday debt relief after a season of overspending, the immediate answer is to pause credit card use, assess the total damage, and switch to a “bare-bones” budget. When it comes to holiday shopping a lot of consumers go into debt getting that perfect gift. According to a lending…
Sean Murphy, Getty Images If you get a speeding ticket, you’re probably most worried about the fine, but speeding tickets can make an even bigger dent in your budget when your auto policy renews. In Florida, speeding ticket fines cost an average of $125, but a single speeding ticket raises…
Michal Krakowiak/ Getty Images If you’re already planning your next vacation, now might be a good time to start earning rewards to fund it. The Capital One Venture Rewards Credit Card can help with that. For a limited time, new cardholders can earn a one-time $250 Capital One Travel credit,…
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