Study: Americans are fine with their overspending

A new study suggests that a majority of Americans spend more than they earn at least a few months of each year, but only a small fraction consider this an issue.

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Testing the Fed's predictions

The Fed Reality Check is a handy way to gauge the emerging accuracy of the Fed's economic forecasts.

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5 essentials facts on the Greek currency crisis

The latest news from the Greek financial crisis may not be as far removed from the U.S. as it seems.

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How my retirement went missing

Read why one older worker has no plans to retire soon, plus tips on confronting financial challenges to your retirement.

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The case for longer CD terms

Despite the fact that long-term CD rates fell relative to short-term rates in April, recent economic developments make long-term CDs more attractive than they seem.

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Today's Featured Bank Rates

Credit Card

0% Intro APR

X

Featured offer (see all)

Discover(R) More(R) Card

Discover(R) More(R) Card

Card Rating ★ ★ ★ ★ ★
Intro APR 0%
Reg APR 10.99% - 20.99%*
Credit Needed Excellent

Apply Now
  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com

Additional offers

Discover(R) More Card - 18 Month Promotional Balance Transfer Apply Now
Card Rating ★ ★ ★ ★ ★
Intro APR 0%
Reg APR 10.99% - 20.99%
Credit Needed Excellent

Discover(R) Open Road Card Apply Now
Card Rating ★ ★ ★ ★ ★
Intro APR 0%
Reg APR 10.99% - 19.99%
Credit Needed Excellent

Blue(R) From American Express - Earn 10,000 Points When You Spend $100 in the First 3 Months Apply Now
Card Rating ★ ★ ★ ★
Intro APR 0%
Reg APR 15.24% - 20.24%
Credit Needed Excellent

30-year Fixed Mortgage

3.375%

X

Featured offer (see all)

Refinance Conforming A

Refinance Conforming A

Mortgage Refinance
Rate 3.625%
APR 3.692%

Start Saving
  • Call To Refinance Today! Reduce Your Home Loan Payments.
  • Competitive Rates To Fit Your Budget. Personal Service.
  • Independent Direct Lender. 20 Years Industry Experience.

Additional offers

Start Saving EverBank
Mortgage Refinance
Rate 3.750%
APR 3.797

Start Saving Quicken Loans - American's #1 Online Lender
Mortgage Refinance
Rate 3.750%
APR 4.018

Start Saving Amerisave Mortgage Corporation
Mortgage Refinance
Rate 3.500%
APR 3.755

Savings Account

0.91%

X

Featured offer (see all)

EverBank

EverBank

Rate 0.91%
APY 0.91%
Min. to earn APY $0

Start Saving
  • Earn a top 5% yield-Always (2)
  • 0.91% 1st-year APY up to $50K (1)

Additional offers

Start Saving Ally Bank Online Savings Account
Rate 0.84%
APY 0.84%
Min. to earn APY $0

Start Saving ING DIRECT: Orange Savings Account
Rate 0.80%
APY 0.80%
Min. to earn APY $0

Start Saving American Express Personal Savings
Rate 0.75%
APY 0.75%
Min. to earn APY $0

Money Market Account

0.91%

X

Featured offer (see all)

EverBank

EverBank

Rate 0.91%
APY 0.91%
Min. to earn APY $0

Start Saving
  • Earn a top 5% yield-Always (2)
  • 0.91% 1st-year APY up to $50K (1)

Additional offers

Start Saving Ally Bank Money Market Account
Rate 0.84%
APY 0.84%
Min. to earn APY $0

Start Saving ING DIRECT: Orange Savings Account
Rate 0.80%
APY 0.80%
Min. to earn APY $0

Start Saving American Express Personal Savings
Rate 0.75%
APY 0.75%
Min. to earn APY $0

1-Year CD

1.04%

X

Featured offer (see all)

Ally Bank Classic CD

Ally Bank Classic CD

Rate 1.03%
APY 1.04%
Compounding Method Daily

Start Saving
  • Get our best rate with the Ally Ten Day Best Rate Guarantee.
  • Member FDIC
Top News

Social Security goes digital

If you want to know your Social Security earnings and estimated benefits, you’ll have to fire up the computer. These statements are now online.

More Featured Articles
Savings Accounts

Are low interest rates causing low savings rates?

Low interest rates may seem to discourage saving, but they actually make it more important than ever.

Mortgage Rates

Can't refinance? Consider a 'recast' instead

Recasting is another way to lower your monthly mortgage payments, but there is one catch.

Credit Cards

Profits rise for Visa, MasterCard

The credit card companies saw revenue and profits increase in the first quarter of 2012. Does this mean credit card spending is rising?

 

MoneyRates.com

Credit card rates
Low Intro. Rate 0.68%
Limited / No Credit 14.71%
Low Ongoing Rate 11.45%
Air Miles / Travel 13.84%
Rewards Points 13.95%
Cash Back 14.96%
Student 14.63%
Business 13.04%

Rates for Credit Cards listed are updated weekly. Individual rates will vary based on one's credit profile.

Richard Barrington
About Richard Barrington

Richard Barrington, CFA, is the primary spokesperson and personal finance expert for MoneyRates. He is a 20-year veteran of the financial industry, including having served for over a dozen years as a member of the Executive Committee of Manning & Napier Advisors, Inc.

New! Richard Barrington discusses How to Save More with Neal Conan on NPR's nationally syndicated Talk of the Nation here (February 2012).

If you'd like Richard to appear on your program, please email pr@moneyrates.com for consideration.

Get the latest news from Richard by following him on Twitter! @RichBarrington

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Expert's Commentary

How do I prepare for an IRS audit?

IRS audits can be routine -- if you are properly prepared.

How do I access funds for funeral arrangements?

Accessing money, even for funeral arrangements, after a person's death requires following the right procedures.

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