Key Lending Rates
Updated 02/06/2012
| Loan Type | Small Loan | Medium Loan | Jumbo Loan | |||
|---|---|---|---|---|---|---|
| Avg. | Med. | Avg. | Med. | Avg. | Med. | |
| Blended Personal Loan (Short Term) | 7.55% | 5.00% | 6.54% | 6.00% | 6.85% | 5.00% |
| Blended Personal Loan (Medium Term) | 5.15% | 5.00% | 5.41% | 5.00% | 4.66% | 5.00% |
| Blended Personal Loan (Long Term) | 3.67% | 5.00% | 2.89% | 2.50% | 4.02% | 3.94% |
| Personal Real Estate Loan (Short Term) | 5.85% | 3.00% | 6.52% | 5.00% | 5.46% | 5.00% |
| Personal Real Estate Loan (Medium Term) | 5.08% | 5.00% | 5.46% | 5.00% | 4.50% | 4.50% |
| Personal Real Estate Loan (Long Term) | 3.67% | 5.00% | 3.60% | 3.00% | 4.26% | 4.00% |
| Personal Education Loan (Short Term) | 5.00% | 5.00% | 20.00% | 20.00% | - | - |
| Personal Education Loan (Medium Term) | 2.57% | 3.00% | 2.67% | 2.00% | 2.63% | 1.70% |
| Personal Education Loan (Long Term) | 6.50% | 6.50% | 1.80% | 1.83% | 3.38% | 3.55% |
| Personal Business Loan (Short Term) | 11.13% | 9.50% | 10.69% | 7.00% | 6.25% | 5.00% |
| Personal Business Loan (Medium Term) | 3.80% | 4.00% | 7.33% | 5.00% | 7.56% | 6.00% |
| Personal Business Loan (Long Term) | - | - | 3.42% | 3.25% | 4.31% | 4.50% |
| Personal Auto Loan (Short Term) | 4.02% | - | 4.25% | 5.00% | - | - |
| Personal Auto Loan (Medium Term) | 4.36% | 4.00% | 4.65% | 5.00% | 4.41% | 4.34% |
| Personal Auto Loan (Long Term) | - | - | 2.50% | 2.50% | 4.44% | 4.40% |
| Personal Debt Consolidation Loan (Short Term) | 10.06% | 7.26% | 9.90% | 11.00% | 5.95% | 5.00% |
| Personal Debt Consolidation Loan (Medium Term) | 5.08% | 5.00% | 5.33% | 5.00% | 4.87% | 5.00% |
| Personal Debt Consolidation Loan (Long Term) | 6.50% | 6.50% | 5.00% | 5.00% | 3.85% | 3.55% |
| Personal Discretionary Spending Loan (Short Term) | 8.33% | 5.00% | 6.73% | 6.64% | 7.08% | 5.00% |
| Personal Discretionary Spending Loan (Medium Term) | 5.10% | 2.60% | 5.05% | 4.69% | 4.85% | 5.00% |
| Personal Discretionary Spending Loan (Long Term) | 2.00% | 1.50% | 3.38% | 3.25% | 4.51% | 4.00% |
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 02/03/2012
| Loan Type | This Week | Last Week |
|---|---|---|
| Private Loan | 
8.06% |
8.05% |
| Personal Loan |
11.44% |
11.41% |
Updated 02/03/2012
| Loan Type | This Week | Last Week |
|---|---|---|
| 1 yr jumbo ARM | 
2.66% |
2.66% |
| 3/1 jumbo ARM | 
2.84% |
2.88% |
| 3/1 jumbo ARM (interest only) |
6.23% |
6.20% |
| 7/1 jumbo ARM |
3.61% |
3.34% |
| 7/1 jumbo ARM (interest only) |
5.63% |
5.62% |
| 10/1 jumbo ARM |
4.21% |
3.77% |
| 2/28 ARM |
6.63% |
6.63% |
| 3/27 ARM |
6.75% |
6.75% |
| 2/28 ARM refi |
6.63% |
6.63% |
| 3/27 ARM refi |
6.75% |
6.75% |
| 40 yr fixed mtg |
4.34% |
4.49% |
| 30 yr fixed mtg |
3.88% |
3.87% |
| 15 yr fixed mtg |
3.21% |
3.19% |
| 1 yr ARM |
2.71% |
2.71% |
| 30 yr fixed jumbo mtg |
4.62% |
4.40% |
| 30 yr FHA mtg |
3.89% |
3.83% |
| 5/1 ARM |
2.88% |
2.86% |
| 5/1 jumbo ARM |
3.31% |
3.02% |
| 3/1 ARM |
2.86% |
2.80% |
| 7/1 ARM |
3.21% |
3.19% |
| 10/1 ARM |
3.74% |
3.65% |
| 15 yr fixed jumbo mtg |
3.96% |
3.67% |
| 10 yr fixed mtg |
3.14% |
3.11% |
| 20 yr fixed mtg |
3.92% |
3.90% |
| 3/1 ARM (interest only) |
4.18% |
4.18% |
| 5/1 ARM (interest only) |
2.82% |
2.84% |
| 5/1 jumbo ARM (interest only) |
4.60% |
4.58% |
| 7/1 ARM (interest only) |
3.10% |
3.12% |
Updated 02/03/2012
| Loan Type | This Week | Last Week |
|---|---|---|
| 1 yr jumbo ARM |
2.66% |
2.66% |
| 3/1 jumbo ARM |
2.84% |
2.88% |
| 3/1 jumbo ARM (interest only) |
6.23% |
6.20% |
| 7/1 jumbo ARM |
3.61% |
3.34% |
| 7/1 jumbo ARM (interest only) |
5.63% |
5.62% |
| 10/1 jumbo ARM |
4.21% |
3.77% |
| 2/28 ARM |
6.63% |
6.63% |
| 3/27 ARM |
6.75% |
6.75% |
| 2/28 ARM refi |
6.63% |
6.63% |
| 3/27 ARM refi |
6.75% |
6.75% |
| 40 yr fixed mtg |
4.34% |
4.49% |
| 30 yr fixed mtg |
3.88% |
3.87% |
| 15 yr fixed mtg |
3.21% |
3.19% |
| 1 yr ARM |
2.71% |
2.71% |
| 30 yr fixed jumbo mtg |
4.62% |
4.40% |
| 30 yr FHA mtg |
3.89% |
3.83% |
| 5/1 ARM |
2.88% |
2.86% |
| 5/1 jumbo ARM |
3.31% |
3.02% |
| 3/1 ARM |
2.86% |
2.80% |
| 7/1 ARM |
3.21% |
3.19% |
| 10/1 ARM |
3.74% |
3.65% |
| 15 yr fixed jumbo mtg |
3.96% |
3.67% |
| 10 yr fixed mtg |
3.14% |
3.11% |
| 20 yr fixed mtg |
3.92% |
3.90% |
| 3/1 ARM (interest only) |
4.18% |
4.18% |
| 5/1 ARM (interest only) |
2.82% |
2.84% |
| 5/1 jumbo ARM (interest only) |
4.60% |
4.58% |
| 7/1 ARM (interest only) |
3.10% |
3.12% |
Updated 02/03/2012
| Loan Type | This Week | Last Week |
|---|---|---|
| $30K HELOC FICO |
4.69% |
4.72% |
| $30K home equity loan FICO |
6.02% |
6.03% |
| $30K high LTV home equity loan FICO |
8.37% |
8.37% |
| $75K home equity loan FICO |
5.74% |
5.71% |
| $75K HELOC FICO |
4.31% |
4.34% |
| $50K home equity loan FICO |
5.76% |
5.73% |
| $50K HELOC FICO |
4.30% |
4.33% |
| $50K high LTV home equity loan FICO |
7.62% |
7.62% |
| $75K high LTV home equity loan FICO |
7.37% |
7.37% |
| $100K home equity loan |
5.67% |
5.69% |
| $100K high LTV home equity loan |
7.37% |
7.37% |
| $100K HELOC |
4.23% |
4.23% |
Updated 02/03/2012
| Loan Type | This Week | Last Week |
|---|---|---|
| 60 month used car loan |
4.42% |
4.42% |
| 48 month used car loan |
4.79% |
4.81% |
| 48 month new car loan |
4.05% |
3.65% |
| 36 month used car loan |
4.88% |
4.87% |
| 36 month new car loan |
3.92% |
3.54% |
| 60 month new car loan |
4.22% |
3.79% |
| 36 month auto refinance |
4.55% |
4.45% |
| 48 month auto refinance |
4.6% |
4.49% |
| 60 month auto refinance |
4.76% |
4.65% |
Updated 02/03/2012
| Loan Type | This Week | Last Week |
|---|---|---|
| MasterCard® Credit Cards |
15.86% |
15.86% |
| Visa® Credit Cards |
14.23% |
14.23% |
| Business Cards |
13.56% |
13.56% |
| Cards for Bad Credit |
16.80% |
16.80% |
| Secured Cards |
16.74% |
16.74% |
| Bad Credit |
16.74% |
16.74% |
| Good Credit |
14.46% |
14.41% |
| Excellent Credit |
14.66% |
14.65% |
| Low Interest Cards |
10.70% |
10.68% |
| Balance Transfer Cards |
16.13% |
16.16% |
| Student Cards |
16.46% |
16.46% |
| Cash Back Cards |
16.54% |
16.56% |
| Frequent Flyer Cards |
15.93% |
15.81% |
| Gas Rewards Cards |
20.03% |
20.03% |
| Rewards Cards |
15.51% |
15.48% |
Updated 02/01/2012
| Loan Type | Annual | Semi-Annual | Quarterly | Monthly |
|---|---|---|---|---|
| Short-term Loan (3 years or less) | 0.35% | 0.35% | 0.35% | 0.35% |
| Medium-term Loan (3-9 years) | 1.24% | 1.24% | 1.24% | 1.24% |
| Long-term Loan (9+ years) | 3.26% | 3.23% | 3.22% | 3.21% |
View more on AFR info at IRS.gov
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