Rate trends that lead to a next move
Historical archives, benchmark trackers, and product-rate pages built around the SwitchWize loop: understand the rate, calculate the dollar impact, compare options, then add the opportunity to Money Map.
Authority system
Product rate archives
Rates users can act on
Product rate
Savings Rates
4.40% APY
Best HYSA APY
Track top savings APYs, national averages, and the rate gap between traditional banks and high-yield accounts.
Product rate
CD Rates
4.15% APY
Best 12-month CD APY
See where CD yields sit today, how the lock-in window is changing, and when a CD ladder may make sense.
Product rate
Money Market
4.10% APY
Best MMA APY
Track money market account yields for savers who want higher APY with more access than CDs.
Product rate
Mortgage Rates
6.72%
Average 30-year fixed
Follow 30-year mortgage rate movement, rate-lock context, and the monthly payment impact of small APR changes.
Product rate
HELOC Rates
8.20% APR
Best HELOC APR
Track HELOC APR movement and see how prime-rate changes can flow into variable home-equity borrowing.
Product rate
Personal Loans
7.49% APR
Best personal loan APR
Follow personal loan APRs and compare them against high-rate card debt or large planned expenses.
Product rate
Auto Loans
5.24% APR
Best new-car APR
Follow new and used auto loan APRs and see how a lower rate changes the monthly payment and total interest on your car.
Product rate
Student Loans
4.44% APR
Best private/refi APR
Track private student loan and refinance APRs and see when refinancing could lower your rate or monthly payment.
Product rate
Card APRs
24.99% APR
Typical purchase APR
Track credit card APR pressure and see when balance transfer or debt payoff actions may save money.
Benchmark pages
The rates behind the rates
Benchmark
Fed Funds
3.63%
Fed funds midpoint
Track the Fed policy rate and how it can affect savings APYs, CD rates, mortgage rates, and credit card APRs.
Benchmark
Prime Rate
6.63%
Prime rate
Track the benchmark that influences many HELOCs, credit cards, and variable-rate loans.
Benchmark
10-Year Treasury
4.15%
10-year Treasury yield
Follow the market yield that often influences mortgage pricing and long-term rate sentiment.
Connected resources
Every rate page points to useful next steps
These are existing SwitchWize guides, calculators, comparisons, and benchmark pages already matched to each rate topic.
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Connected resources