Key Lending Rates
Updated 03/10/2010
| Loan Type | Small Loan | Medium Loan | Jumbo Loan | |||
|---|---|---|---|---|---|---|
| Avg. | Med. | Avg. | Med. | Avg. | Med. | |
| Blended Personal Loan (Short Term) | 6.34% | 4.00% | 6.72% | 5.00% | 8.66% | 6.50% |
| Blended Personal Loan (Medium Term) | 5.05% | 5.00% | 5.58% | 5.00% | 5.35% | 5.00% |
| Blended Personal Loan (Long Term) | 5.17% | 5.00% | 3.52% | 4.00% | 4.88% | 5.00% |
| Personal Real Estate Loan (Short Term) | 6.46% | 4.00% | 6.31% | 5.00% | 8.13% | 5.00% |
| Personal Real Estate Loan (Medium Term) | 5.08% | 5.00% | 5.14% | 5.00% | 5.20% | 5.00% |
| Personal Real Estate Loan (Long Term) | 5.00% | 5.00% | 3.85% | 4.00% | 5.07% | 4.75% |
| Personal Education Loan (Short Term) | 4.81% | 5.00% | 3.50% | 3.50% | 8.99% | 8.99% |
| Personal Education Loan (Medium Term) | 5.60% | 5.00% | 4.22% | 5.00% | 3.49% | 3.75% |
| Personal Education Loan (Long Term) | 2.50% | 2.50% | 2.06% | 1.63% | 4.05% | 4.01% |
| Personal Business Loan (Short Term) | 7.75% | 5.50% | 9.01% | 6.00% | 8.67% | 8.00% |
| Personal Business Loan (Medium Term) | 5.64% | 5.00% | 6.15% | 5.00% | 6.11% | 5.13% |
| Personal Business Loan (Long Term) | 7.67% | 7.68% | 3.00% | 3.00% | 5.75% | 5.00% |
| Personal Auto Loan (Short Term) | 3.70% | - | 5.13% | 5.00% | 10.13% | 10.13% |
| Personal Auto Loan (Medium Term) | 4.44% | 5.00% | 5.12% | 5.00% | 5.35% | 5.00% |
| Personal Auto Loan (Long Term) | 2.50% | 2.50% | 2.50% | 2.50% | 5.00% | 5.00% |
| Personal Debt Consolidation Loan (Short Term) | 11.26% | 5.00% | 4.17% | 3.00% | 7.34% | 6.00% |
| Personal Debt Consolidation Loan (Medium Term) | 5.12% | 5.00% | 4.86% | 5.00% | 4.86% | 4.75% |
| Personal Debt Consolidation Loan (Long Term) | 4.00% | 5.00% | 6.25% | 6.25% | 4.95% | 4.75% |
| Personal Discretionary Spending Loan (Short Term) | 6.39% | 5.00% | 6.25% | 5.00% | 7.67% | 7.50% |
| Personal Discretionary Spending Loan (Medium Term) | 4.77% | 5.00% | 5.64% | 5.00% | 5.62% | 5.00% |
| Personal Discretionary Spending Loan (Long Term) | 3.50% | 5.00% | 3.86% | 4.32% | 4.91% | 5.00% |
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 03/09/2010
| Loan Type | This Week | Last Week |
|---|---|---|
| Private Loan | 
8.13% |
8.13% |
| Personal Loan |
10.53% |
10.53% |
Updated 03/09/2010
| Loan Type | This Week | Last Week |
|---|---|---|
| 1 yr jumbo ARM | 
4.06% |
4.02% |
| 3/1 jumbo ARM |
4.14% |
4.09% |
| 3/1 jumbo ARM (interest only) | 
4.17% |
4.21% |
| 7/1 jumbo ARM |
4.82% |
4.84% |
| 7/1 jumbo ARM (interest only) |
4.70% |
4.70% |
| 10/1 jumbo ARM |
5.28% |
5.34% |
| 2/28 ARM |
5.42% |
5.42% |
| 3/27 ARM |
5.44% |
5.44% |
| 2/28 ARM refi |
5.42% |
5.42% |
| 3/27 ARM refi |
5.44% |
5.44% |
| 40 yr fixed mtg |
5.56% |
5.55% |
| 30 yr fixed mtg |
5.00% |
5.03% |
| 15 yr fixed mtg |
4.35% |
4.38% |
| 1 yr ARM |
3.26% |
3.27% |
| 30 yr fixed jumbo mtg |
5.82% |
5.87% |
| 30 yr FHA mtg |
5.61% |
5.63% |
| 5/1 ARM |
3.87% |
3.91% |
| 5/1 jumbo ARM |
4.47% |
4.49% |
| 3/1 ARM |
4.42% |
4.47% |
| 7/1 ARM |
4.20% |
4.45% |
| 10/1 ARM |
4.37% |
4.74% |
| 15 yr fixed jumbo mtg |
5.36% |
5.40% |
| 10 yr fixed mtg |
4.37% |
4.16% |
| 20 yr fixed mtg |
5.04% |
5.09% |
| 3/1 ARM (interest only) |
4.97% |
5.09% |
| 5/1 ARM (interest only) |
4.21% |
3.98% |
| 5/1 jumbo ARM (interest only) |
4.57% |
4.58% |
| 7/1 ARM (interest only) |
4.24% |
4.27% |
Updated 03/09/2010
| Loan Type | This Week | Last Week |
|---|---|---|
| 1 yr jumbo ARM |
4.06% |
4.02% |
| 3/1 jumbo ARM |
4.14% |
4.09% |
| 3/1 jumbo ARM (interest only) |
4.17% |
4.21% |
| 7/1 jumbo ARM |
4.82% |
4.84% |
| 7/1 jumbo ARM (interest only) |
4.70% |
4.70% |
| 10/1 jumbo ARM |
5.28% |
5.34% |
| 2/28 ARM |
5.42% |
5.42% |
| 3/27 ARM |
5.44% |
5.44% |
| 2/28 ARM refi |
5.42% |
5.42% |
| 3/27 ARM refi |
5.44% |
5.44% |
| 40 yr fixed mtg |
5.56% |
5.55% |
| 30 yr fixed mtg |
5.00% |
5.03% |
| 15 yr fixed mtg |
4.35% |
4.38% |
| 1 yr ARM |
3.26% |
3.27% |
| 30 yr fixed jumbo mtg |
5.82% |
5.87% |
| 30 yr FHA mtg |
5.61% |
5.63% |
| 5/1 ARM |
3.87% |
3.91% |
| 5/1 jumbo ARM |
4.47% |
4.49% |
| 3/1 ARM |
4.42% |
4.47% |
| 7/1 ARM |
4.20% |
4.45% |
| 10/1 ARM |
4.37% |
4.74% |
| 15 yr fixed jumbo mtg |
5.36% |
5.40% |
| 10 yr fixed mtg |
4.37% |
4.16% |
| 20 yr fixed mtg |
5.04% |
5.09% |
| 3/1 ARM (interest only) |
4.97% |
5.09% |
| 5/1 ARM (interest only) |
4.21% |
3.98% |
| 5/1 jumbo ARM (interest only) |
4.57% |
4.58% |
| 7/1 ARM (interest only) |
4.24% |
4.27% |
Updated 03/09/2010
| Loan Type | This Week | Last Week |
|---|---|---|
| $30K HELOC FICO |
5.12% |
5.13% |
| $30K home equity loan FICO |
7.82% |
8.15% |
| $30K high LTV home equity loan FICO |
8.65% |
8.65% |
| $75K home equity loan FICO |
7.73% |
8.14% |
| $75K HELOC FICO |
4.86% |
4.86% |
| $50K home equity loan FICO |
7.71% |
8.10% |
| $50K HELOC FICO |
4.85% |
4.85% |
| $50K high LTV home equity loan FICO |
7.72% |
7.72% |
| $75K high LTV home equity loan FICO |
7.72% |
7.72% |
| $100K home equity loan |
7.52% |
7.88% |
| $100K high LTV home equity loan |
7.24% |
7.24% |
| $100K HELOC |
4.68% |
4.68% |
Updated 03/09/2010
| Loan Type | This Week | Last Week |
|---|---|---|
| 60 month used car loan |
6.02% |
6.07% |
| 48 month used car loan |
6.91% |
6.96% |
| 48 month new car loan |
6.77% |
6.85% |
| 36 month used car loan |
7% |
7.08% |
| 36 month new car loan |
6.64% |
6.69% |
| 60 month new car loan |
6.83% |
6.89% |
| 36 month auto refinance |
5.51% |
5.57% |
| 48 month auto refinance |
5.88% |
5.94% |
| 60 month auto refinance |
6.13% |
6.18% |
Updated 03/09/2010
| Loan Type | This Week | Last Week |
|---|---|---|
| MasterCard® Credit Cards |
14.55% |
14.55% |
| Visa® Credit Cards |
13.60% |
13.55% |
| Business Cards |
12.61% |
12.61% |
| Cards for Bad Credit |
16.81% |
16.81% |
| Secured Cards |
16.62% |
16.62% |
| Bad Credit |
16.95% |
16.95% |
| Good Credit |
13.74% |
13.70% |
| Excellent Credit |
14.52% |
14.52% |
| Low Interest Cards |
9.73% |
9.74% |
| Balance Transfer Cards |
15.02% |
14.98% |
| Student Cards |
15.63% |
15.63% |
| Cash Back Cards |
15.07% |
15.07% |
| Frequent Flyer Cards |
14.10% |
14.13% |
| Gas Rewards Cards |
14.74% |
14.74% |
| Rewards Cards |
14.82% |
14.78% |
Updated 03/01/2010
| Loan Type | Annual | Semi-Annual | Quarterly | Monthly |
|---|---|---|---|---|
| Short-term Loan (3 years or less) | 0.64% | 0.64% | 0.64% | 0.64% |
| Medium-term Loan (3-9 years) | 1.86% | 1.85% | 1.85% | 1.84% |
| Long-term Loan (9+ years) | 4.03% | 3.99% | 3.97% | 3.96% |
View more on AFR info at IRS.gov
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