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.

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The high cost of the Fed's low rates

The Federal Reserve's low-interest-rate policies have yet to lead to robust growth, but the estimated cost of these policies is mounting.

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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.

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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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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?

 

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Today's Featured Bank Rates

Credit Card

0% Intro APR

X

Featured offer (see all)

Discover® More® Card

Discover<sup>®</sup> More<sup>®</sup> 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

Blue® 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

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

Slate® from Chase - No Balance Transfer Fee Apply Now
Card Rating ★ ★ ★ ★
Intro APR 0%
Reg APR 11.99% - 21.99%
Credit Needed Excellent/Good

30-year Fixed Mortgage

3.375%

X

Featured offer (see all)

Quicken Loans - American's #1 Online Lender

Quicken Loans - American's #1 Online Lender

Mortgage Refinance
Rate 3.875%
APR 4.109%

Start Saving
  • We can close your loan in less than a month!
  • Don't miss your chance to lock in a low fixed-rate and payment today.
  • Rates continue to be at historic lows!

Additional offers

Start Saving Amerisave Mortgage Corporation
Mortgage Refinance
Rate 3.500%
APR 3.728

Start Saving AimLoan.com
Mortgage Refinance
Rate 3.375%
APR 3.648

Start Saving United Pacific Mortgage
Mortgage Refinance
Rate 3.500%
APR 3.654

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

Ready or not, Boomers are retiring

While some research has suggested that many Boomers won't be able to retire on time, a new study finds most are leaving the workforce on schedule.

More Featured Articles
Savings Accounts

Latest jobs report: Even worse than it seems

Declining job growth is just one of the danger signs in the newest employment report. Learn why the situation is even more troubling than it appears.

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

5 steps for protecting your credit card information

Security breaches are on the rise, but these tips can help safeguard your accounts.

 

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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