Key Lending Rates
Updated 07/29/2010
| Loan Type | Small Loan | Medium Loan | Jumbo Loan | |||
|---|---|---|---|---|---|---|
| Avg. | Med. | Avg. | Med. | Avg. | Med. | |
| Blended Personal Loan (Short Term) | 5.68% | 3.00% | 4.45% | 4.19% | 5.23% | 5.00% |
| Blended Personal Loan (Medium Term) | 4.70% | 5.00% | 4.14% | 4.50% | 4.50% | 5.00% |
| Blended Personal Loan (Long Term) | 3.28% | - | 3.59% | 4.00% | 4.53% | 4.85% |
| Personal Real Estate Loan (Short Term) | 8.29% | 5.00% | 5.17% | 4.50% | 5.43% | 5.00% |
| Personal Real Estate Loan (Medium Term) | 4.91% | 5.00% | 4.12% | 5.00% | 4.38% | 5.00% |
| Personal Real Estate Loan (Long Term) | 3.75% | 2.50% | 3.94% | 4.50% | 4.76% | 4.63% |
| Personal Education Loan (Short Term) | 3.43% | - | - | - | - | - |
| Personal Education Loan (Medium Term) | 4.26% | 5.00% | 3.66% | 4.50% | 2.52% | 3.00% |
| Personal Education Loan (Long Term) | 0.92% | - | 2.92% | 2.75% | 3.55% | 3.50% |
| Personal Business Loan (Short Term) | 11.12% | 5.00% | 6.59% | 5.00% | 13.62% | 10.00% |
| Personal Business Loan (Medium Term) | 5.49% | 5.00% | 5.54% | 5.00% | 6.35% | 5.00% |
| Personal Business Loan (Long Term) | 4.50% | 4.50% | 3.54% | 4.00% | 5.09% | 5.00% |
| Personal Auto Loan (Short Term) | 4.10% | - | 3.59% | - | 5.33% | 1.00% |
| Personal Auto Loan (Medium Term) | 3.48% | 3.00% | 4.98% | 4.80% | 4.11% | 4.00% |
| Personal Auto Loan (Long Term) | - | - | 2.30% | 2.00% | 3.61% | 3.50% |
| Personal Debt Consolidation Loan (Short Term) | 4.78% | 5.00% | 2.95% | 1.00% | 5.63% | 5.00% |
| Personal Debt Consolidation Loan (Medium Term) | 5.05% | 5.00% | 4.53% | 5.00% | 4.80% | 5.00% |
| Personal Debt Consolidation Loan (Long Term) | 5.00% | 5.00% | 3.58% | 4.00% | 4.21% | 4.38% |
| Personal Discretionary Spending Loan (Short Term) | 5.11% | 1.50% | 4.19% | 1.50% | 4.23% | 4.00% |
| Personal Discretionary Spending Loan (Medium Term) | 4.23% | 5.00% | 4.38% | 4.74% | 4.69% | 5.00% |
| Personal Discretionary Spending Loan (Long Term) | 2.83% | 2.50% | 4.47% | 3.82% | 4.17% | 4.13% |
Notes
- Short term equals 2 years or less
- Medium term equals 2 - 7 years
- Long term equals 7+ years
- Small Loan equals $5,000 or less
- Medium Loan is $5,001 - $15,000
- Jumbo Loan is $15k+
BankRate.com Averages Rates
Updated 07/28/2010
| Loan Type | This Week | Last Week |
|---|---|---|
| Private Loan | 
7.93% |
7.93% |
| Personal Loan | 
11.91% |
11.88% |
Updated 07/28/2010
| Loan Type | This Week | Last Week |
|---|---|---|
| 1 yr jumbo ARM | 
3.76% |
3.77% |
| 3/1 jumbo ARM |
3.77% |
3.79% |
| 3/1 jumbo ARM (interest only) |
6.52% |
6.64% |
| 7/1 jumbo ARM |
4.29% |
4.30% |
| 7/1 jumbo ARM (interest only) |
6.38% |
6.48% |
| 10/1 jumbo ARM |
5.01% |
4.99% |
| 2/28 ARM |
5.19% |
5.19% |
| 3/27 ARM |
5.21% |
5.21% |
| 2/28 ARM refi |
5.19% |
5.19% |
| 3/27 ARM refi |
5.21% |
5.21% |
| 40 yr fixed mtg |
5.12% |
5.12% |
| 30 yr fixed mtg |
4.60% |
4.62% |
| 15 yr fixed mtg |
4.07% |
4.09% |
| 1 yr ARM |
3.19% |
3.19% |
| 30 yr fixed jumbo mtg |
5.42% |
5.43% |
| 30 yr FHA mtg |
4.63% |
4.63% |
| 5/1 ARM |
3.67% |
3.64% |
| 5/1 jumbo ARM |
4.17% |
4.19% |
| 3/1 ARM |
4.18% |
4.20% |
| 7/1 ARM |
3.91% |
3.89% |
| 10/1 ARM |
4.27% |
4.20% |
| 15 yr fixed jumbo mtg |
4.98% |
5.00% |
| 10 yr fixed mtg |
3.91% |
3.90% |
| 20 yr fixed mtg |
4.38% |
4.39% |
| 3/1 ARM (interest only) |
4.73% |
4.82% |
| 5/1 ARM (interest only) |
3.65% |
3.64% |
| 5/1 jumbo ARM (interest only) |
5.72% |
5.77% |
| 7/1 ARM (interest only) |
4.02% |
4.03% |
Updated 07/28/2010
| Loan Type | This Week | Last Week |
|---|---|---|
| 1 yr jumbo ARM |
3.76% |
3.77% |
| 3/1 jumbo ARM |
3.77% |
3.79% |
| 3/1 jumbo ARM (interest only) |
6.52% |
6.64% |
| 7/1 jumbo ARM |
4.29% |
4.30% |
| 7/1 jumbo ARM (interest only) |
6.38% |
6.48% |
| 10/1 jumbo ARM |
5.01% |
4.99% |
| 2/28 ARM |
5.19% |
5.19% |
| 3/27 ARM |
5.21% |
5.21% |
| 2/28 ARM refi |
5.19% |
5.19% |
| 3/27 ARM refi |
5.21% |
5.21% |
| 40 yr fixed mtg |
5.12% |
5.12% |
| 30 yr fixed mtg |
4.60% |
4.62% |
| 15 yr fixed mtg |
4.07% |
4.09% |
| 1 yr ARM |
3.19% |
3.19% |
| 30 yr fixed jumbo mtg |
5.42% |
5.43% |
| 30 yr FHA mtg |
4.63% |
4.63% |
| 5/1 ARM |
3.67% |
3.64% |
| 5/1 jumbo ARM |
4.17% |
4.19% |
| 3/1 ARM |
4.18% |
4.20% |
| 7/1 ARM |
3.91% |
3.89% |
| 10/1 ARM |
4.27% |
4.20% |
| 15 yr fixed jumbo mtg |
4.98% |
5.00% |
| 10 yr fixed mtg |
3.91% |
3.90% |
| 20 yr fixed mtg |
4.38% |
4.39% |
| 3/1 ARM (interest only) |
4.73% |
4.82% |
| 5/1 ARM (interest only) |
3.65% |
3.64% |
| 5/1 jumbo ARM (interest only) |
5.72% |
5.77% |
| 7/1 ARM (interest only) |
4.02% |
4.03% |
Updated 07/28/2010
| Loan Type | This Week | Last Week |
|---|---|---|
| $30K HELOC FICO |
5.05% |
5.05% |
| $30K home equity loan FICO |
7.53% |
7.54% |
| $30K high LTV home equity loan FICO |
8.17% |
8.17% |
| $75K home equity loan FICO |
7.42% |
7.42% |
| $75K HELOC FICO |
4.78% |
4.79% |
| $50K home equity loan FICO |
7.39% |
7.39% |
| $50K HELOC FICO |
4.77% |
4.78% |
| $50K high LTV home equity loan FICO |
6.77% |
6.77% |
| $75K high LTV home equity loan FICO |
6.77% |
6.77% |
| $100K home equity loan |
7.35% |
7.35% |
| $100K high LTV home equity loan |
6.75% |
6.75% |
| $100K HELOC |
4.62% |
4.63% |
Updated 07/28/2010
| Loan Type | This Week | Last Week |
|---|---|---|
| 60 month used car loan |
5.37% |
5.37% |
| 48 month used car loan |
6.38% |
6.39% |
| 48 month new car loan |
6.23% |
6.24% |
| 36 month used car loan |
6.51% |
6.51% |
| 36 month new car loan |
6.16% |
6.17% |
| 60 month new car loan |
6.28% |
6.29% |
| 36 month auto refinance |
4.93% |
4.93% |
| 48 month auto refinance |
5.3% |
5.30% |
| 60 month auto refinance |
5.54% |
5.54% |
Updated 07/27/2010
| Loan Type | This Week | Last Week |
|---|---|---|
| MasterCard® Credit Cards |
16.08% |
16.20% |
| Visa® Credit Cards |
14.10% |
14.05% |
| Business Cards |
13.10% |
13.03% |
| Cards for Bad Credit |
17.57% |
17.57% |
| Secured Cards |
16.98% |
16.98% |
| Bad Credit |
17.27% |
17.27% |
| Good Credit |
14.42% |
14.43% |
| Excellent Credit |
14.52% |
14.52% |
| Low Interest Cards |
10.38% |
10.35% |
| Balance Transfer Cards |
15.93% |
15.92% |
| Student Cards |
16.75% |
16.56% |
| Cash Back Cards |
16.52% |
16.61% |
| Frequent Flyer Cards |
14.77% |
14.77% |
| Gas Rewards Cards |
19.50% |
19.62% |
| Rewards Cards |
15.74% |
15.79% |
Updated 07/01/2010
| Loan Type | Annual | Semi-Annual | Quarterly | Monthly |
|---|---|---|---|---|
| Short-term Loan (3 years or less) | 0.63% | 0.63% | 0.63% | 0.63% |
| Medium-term Loan (3-9 years) | 1.97% | 1.96% | 1.96% | 1.95% |
| Long-term Loan (9+ years) | 3.99% | 3.95% | 3.93% | 3.92% |
View more on AFR info at IRS.gov
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