Christina Zelow Lundquist/ Getty Images; Illustration by Austin Courregé/Bankrate Key takeaways A cash-out refinance replaces your current mortgage with a new, bigger one. The borrower receives the difference between the two balances in cash. The terms of your refinanced mortgage might differ from your original loan, including a new interest…
Money is an uncomfortable topic for many, yet it’s an important ongoing conversation to have in a relationship. Financial secrets undermine trust. And for many, it may even feel like betrayal. More than 2 in 5 U.S. adults (43%) believe keeping financial secrets is at least as bad as physical…
Key takeaways Decisions made by the Federal Reserve to increase the benchmark rate do not directly impact auto loans but rather the cost for banks to lend. The higher the Fed sets rates, the higher auto loan rates will likely be. The Fed made its third and last rate cut…
The holiday season is a time filled with joy, celebration, and, often, a lot of expenses. As the festivities wind down, many find themselves facing the reality of depleted bank accounts, credit card debt, and the daunting task of rebuilding their financial safety nets. An emergency fund serves as a…
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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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Image: Getty Images; Illustration: Bankrate No movement in home equity rates, as the Federal Reserve left interest rates unchanged at its first meeting of 2026. The $30,000 home equity line of credit and the five-year $30,000 home equity loan were flat for the week, remaining…
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OBSERVATIONS FROM THE FINTECH SNARK TANKBankers wants to discuss AI strategy. They’re excited about chatbots, machine learning models, generative AI tools, and AI…
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Image by PM Images/Getty Images; Illustration by Hunter Newton/Bankrate Mortgage rates held steady again this week, with the 30-year fixed rate averaging 6.39 percent, unchanged from 6.39 percent the previous two weeks, according to Bankrate’s latest lender survey. Current mortgage rates Loan type Current 4 weeks ago One year ago…
Image by GettyImages; Illustration by Bankrate Home equity rates ticked lower in the latest week, reaching levels not seen since 2023. The $30,000 home equity line of credit fell five basis points to 7.84 percent, according to Bankrate’s national survey of lenders. Meanwhile, the benchmark 5-year $30,000 home equity loan…
Even though I have enough saved for early retirement, I still worry. As someone with lifelong chronic conditions, I know all too well how healthcare costs can creep up, even when everything else seems under control. Medical debt is one of the sneakiest ways financial stress shows up in people’s…
Although Capital One is one of the largest banks in the U.S., as measured by total assets, it has fewer than 300 branches in just a handful of states. Nonetheless, Capital One makes it easy to access your cash with more than 70,000 fee-free ATMs across the country. Capital One…
PNC Bank is one of the largest banks operating in the U.S. It offers a full suite of retail, commercial and small-business products. PNC Bank has around 2,200 branches across 27 states and Washington, D.C. Its customers can also access nearly 60,000 in-network ATMs. PNC Bank near me You can…
Hispanolistic/ Getty Images Key takeaways The Delta SkyMiles® Gold American Express Card is a solid choice for travelers who want some basic Delta perks with a more manageable annual fee. The Delta SkyMiles® Platinum American Express Card offers frequent Delta flyers more benefits plus the ability to earn Medallion Status…
I’m a credit cards editor, and for most of my youth, I was afraid of credit cards. To be fair, it can be good to have a healthy dose of caution when it comes to credit cards. Used irresponsibly, they can harm your creditworthiness and make it challenging to finance…
Investors have many ways to gain exposure to gold, from directly purchasing gold bullion to more indirect methods like owning shares of public mining companies. While some funds invest directly in the physical metal, others manage a portfolio of gold-related stocks. To get in on the action, the most efficient…
Key takeaways Heirs who inherit a house with a mortgage can choose to either sell it or keep it and assume the mortgage. If there are any other heirs, you may be able to buy them out. Even if you plan to sell, you must usually continue making mortgage payments…
wera Rodsawang/GettyImages; Illustration by Bankrate Options can be a blast, allowing you to make many times your money in a short period. But getting familiar with how options trading works can take some time – and if you’re using real money, it can be expensive. That’s where options simulators can…
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