This is a look at some of the best interest rates for deposits and loans from national banks and lenders.  (Surveyed Thursday afternoon on December 31st. )

Bank

Savings Account

1 Year CD

3 Year CD

Ally Bank

1.50%

1.84%

2.49%

American Express

1.50%

1.50%

2.25%

Capital One

1.60%

0.50%

1.90%

Discover Bank

1.60%

1.85%

2.60%

Dollar Savings

1.50%

EverBank

1.77%

1.65%

2.25%

HSBC Direct

1.35%

1.25%

1.60%

ING Direct

1.30%

1.75%

1.50%

WT Direct

1.41%

Money Aisle

(get bid)

(get bid)

(get bid)

Rates are APY (Annual Percentage Yield)
Assumption: $10,000 deposit

Mortgage

Lender

 

5/1
Adjustable Rate

30 Year
Fixed Rate

Bank of America

3.717%

5.296%

Chase Mortgage

3.822%

5.292%

Citibank Mortgage

5.386%

GMAC Mortgage

4.033%

5.398%

Quicken Loans

3.800%

5.324%

Wells Fargo

3.738%

5.444%

Lending Tree

(get quotes)

(get quotes)

Rates are APR (Annual Percentage Rate)
Assumptions when available:  $320,000 conforming loan,
20% down, excellent credit, documented income,
priced with approximately 1 point loan cost (+/- .50 point)
California property  (Rates typically surveyed between Friday and Monday)