Independent rate marketplace — updated weekly.
Every rate.
Every week.
One marketplace.
We track the best rates across savings, CDs, mortgages, auto, personal loans, and credit cards — then rank the lenders worth your time. No banner-ad bias. No rate-quote spam.
Top Rate · Wk 19Editor's pick · 1-Yr CD
As of May 9, 2026 · APY
This week on the floor
Lead StorySkip This Savings Account: Why Vault Online Bank Came Off Our List
We removed Vault Online Bank from our top picks this month. 4.84% APY still looks tempting on the homepage. Here's the math we ran that says otherwise.
Marlow Platinum 0% APR Card Review 2026: 18 mo 0% APR on Balance Transfers
Tideline Auto Direct: The 72-Month Trap and What to Do Instead
Top 5 Mortgage Lenders This Week (Apr 28)
FHA on the Floor: Apex Home Loans vs the Big Three at 7.05% APR
Browse the marketplace
Eight stalls. Every household rate that matters. Pick a counter and we'll tell you who's worth your time this week.
Savings
High-yield savings accounts ranked weekly.
CDs
1-year, 2-year, 5-year — the ladder rebuilt monthly.
Mortgages
30-year, 15-year, FHA, VA, jumbo — best lenders by tier.
Refinance
Cash-out, rate-and-term, and break-even math.
Auto Loans
New, used, and the credit-union edge most miss.
Personal Loans
APRs from 6% to 36% — and which lender is honest about it.
Credit Cards
0%-APR transfers, cash back, travel — what's actually best.
HELOC
Lines of credit, draw periods, and current rate windows.
Issue 047 · MonThe Weekly Rate Floor
The Weekly Rate Floor
Every Monday morning, one short email: the top three rates that beat the market this week, the one that's no longer worth your time, and the loan-rate window we think is closing. No fluff. Free.
The rate tape
Every category, every Monday. The top rate, the lender behind it, and which way the market moved this week.
- Savings4.85%Apex HYSA▲ +0.10
- 1-Yr CD5.42%Vault Bank▲ +0.08
- 5-Yr CD4.95%First Heritage▲ +0.03
- 30-Yr Fixed6.78%Beacon Lend▼ −0.05
- 15-Yr Fixed6.05%Northgate Mortgage▼ −0.04
- Refinance6.62%Tideline Refi▼ −0.07
- Auto · 60mo7.12%Penn-Cred Union▼ −0.04
- Personal Loan9.95%BrightLoan→ 0.00
- 0% APR (CC)21moCardinal Zero▲ +1mo
- HELOC8.40%Ironbridge HELOC▼ −0.12
As of May 9, 2026 · Source: RatesBazar weekly survey
Why readers trust the floor
RatesBazar is an independent rate marketplace. We track every rate that matters in a household — savings, CDs, mortgages, refinance, auto loans, personal loans, credit cards, and HELOCs — then rank the lenders worth your time. No placement fees. No rate-quote spam.
No placement fees.
We don't take money from lenders to rank them. The only thing that moves a lender up our list is the rate they offer your household.
Refreshed weekly.
We re-pull every rate Sunday night so Monday morning's marketplace reflects what banks are actually advertising — not last quarter's screenshot.
We tell you when to skip.
Dud rate? Hidden fee? Disappearing teaser? We mark the lenders we removed from the floor and explain exactly why.