Bankrate

Mortgage rates, savings account rates and CD rates

Bankrate provides personal finance information, national-average mortgage and refinance rates with published dates, and listed savings, CD, and money market rates that may change daily.

Get mortgage rates

Get Bankrate’s published mortgage or refinance interest rates and APRs by loan type, with the published as-of date. Bankrate describes the rate-and-APR tables as national averages even on state pages; ZIP codes choose the matching state page, not ZIP-specific averages. Weekly changes are included only when Bankrate publishes a matching change; these averages are not a loan offer.

Your information

PurposeOptional

The loan purpose, such as refinance. Defaults to purchase.

More options

LocationOptional

A US ZIP code or state name, such as 90210 or California. Leave blank for national averages.

1 credit per completed run

The same inputs also work from your code or an AI assistant. See For developers.

Example results

Mortgage rates

Published Sep 28, 2026, National averages

Loan type	Interest rate	APR
30-year fixed	7.18%	7.27%
20-year fixed	6.82%	6.92%
15-year fixed	6.52%	6.64%
10-year fixed	6.25%	6.34%
30-year FHA	6.96%	6.99%
30-year VA	6.99%	7.02%
30-year jumbo	7.24%	7.28%

About the Bankrate tool

Bankrate’s Get mortgage rates returns published mortgage or refinance rates and APRs, using loan purpose and an optional ZIP code or state.

List best savings rates returns high-yield savings, CD, or money market account rates, using product type and optional CD term and result count.

Built from bankrate.com and zippopotam.us. Last checked Sep 29, 2026.

Actions

Get mortgage rates

1 credit

Uses Bankrate and zippopotam.us.

What you provide

Field	Type	Required	Description
Purpose`purpose`	Text	Optional	The loan purpose, such as refinance. Defaults to purchase.Example: Refinance
Location`location`	Text	Optional	A US ZIP code or state name, such as 90210 or California. Leave blank for national averages.Example: 90210

What you get

Field	Type	Description
Rates`rates`	List	Loan rates in the order Bankrate lists them.
Loan Type`rates[].loan_type`	Text	Example: 30-year fixed
Page Link`rates[].page_link`	Text	Example: https://www.bankrate.com/mortgages/30-year-refinance-rates/
Apr (%)`rates[].apr_percent`	Number	Example: 7.27
Interest Rate (%)`rates[].interest_rate_percent`	Number	Example: 7.18
Change From Last Week Percentage Points`rates[].change_from_last_week_percentage_points`	Number	Example: 0.07
As of Date`as_of_date`	Date	Date of the rates published in the rate-and-APR table.Example: 2026-09-28
Location Used`location_used`	Text	Page location context; values are national averages.Example: National averages

Example result

For Purpose: Refinance

JSON

{
  "rates": [
    {
      "loan_type": "30-year fixed",
      "page_link": "https://www.bankrate.com/mortgages/30-year-refinance-rates/",
      "apr_percent": 7.27,
      "interest_rate_percent": 7.18,
      "change_from_last_week_percentage_points": null
    },
    {
      "loan_type": "20-year fixed",
      "page_link": "https://www.bankrate.com/mortgages/20-year-refinance-rates/",
      "apr_percent": 6.92,
      "interest_rate_percent": 6.82,
      "change_from_last_week_percentage_points": null
    },
    {
      "loan_type": "15-year fixed",
      "page_link": "https://www.bankrate.com/mortgages/15-year-refinance-rates/",
      "apr_percent": 6.64,
      "interest_rate_percent": 6.52,
      "change_from_last_week_percentage_points": null
    }
  ],
  "as_of_date": "2026-09-28",
  "location_used": "National averages"
}

List best savings rates

1 credit

List Bankrate’s current high-yield savings, CD, or money market account rates in its listed order. Offers and rates can change daily and may vary by location.

What you provide

Field	Type	Required	Description
Cd Term`cd_term`	Text	Optional	CD term when product is cd, for example 1_year.Example: 1_year
Product`product`	Text	Optional	Account type to list, for example high_yield_savings.Example: High yield savings
Max Results`max_results`	Number	Optional	Maximum accounts to return, for example 15.Example: 15

What you get

Field	Type	Description
Accounts`accounts`	List	Accounts in Bankrate’s listed order.
Term`accounts[].term`	Text	CD term; present only on CDs.Example: 1 year
Bank Name`accounts[].bank_name`	Text	Bank or credit union name.Example: Marcus by Goldman Sachs
Page Link`accounts[].page_link`	Text	Bankrate page for this account or its rate listing.Example: https://www.bankrate.com/banking/reviews/marcus/
Sponsored`accounts[].sponsored`	Yes or no	Whether Bankrate marks this account as a sponsored listing.Example: Yes
Apy (%)`accounts[].apy_percent`	Number	Annual percentage yield, in percent.Example: 3.5
Account Name`accounts[].account_name`	Text	Account name.Example: Savings
Minimum Deposit (USD)`accounts[].minimum_deposit_usd`	Number	Minimum opening deposit in US dollars, or null if not provided.Example: 0
As of Date`as_of_date`	Date	Date the listed rates were retrieved (YYYY-MM-DD).Example: 2026-09-29

Example result

For Product: High yield savings

JSON

{
  "accounts": [
    {
      "bank_name": "Marcus by Goldman Sachs",
      "page_link": "https://www.bankrate.com/banking/reviews/marcus/",
      "sponsored": true,
      "apy_percent": 3.5,
      "account_name": "savings",
      "minimum_deposit_usd": 0
    },
    {
      "bank_name": "Suncoast Credit Union",
      "page_link": "https://www.bankrate.com/banking/reviews/suncoast-credit-union/",
      "sponsored": false,
      "apy_percent": 4.5,
      "account_name": "High-Yield Savings",
      "minimum_deposit_usd": 0
    },
    {
      "bank_name": "Poppy",
      "page_link": "https://www.bankrate.com/banking/savings/best-high-yield-interests-savings-accounts/",
      "sponsored": false,
      "apy_percent": 4.25,
      "account_name": "Premier Online Savings",
      "minimum_deposit_usd": 0
    }
  ],
  "as_of_date": "2026-09-29"
}

For developers

Call it from your code with one request. Change the values in input to run it on new data. To get an API key, open Developers at the bottom of Studio, turn on Developer mode and go to API keys.

cURL

curl 'https://api.fous.com/v1/query' \
  --fail-with-body --silent --show-error --max-time 180 \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H 'Content-Type: application/json' \
  --data-raw '{
  "api": "@bankrate",
  "visibility": "public",
  "operation": "get_mortgage_rates",
  "version": 1,
  "input": {
    "purpose": "refinance"
  },
  "response": {
    "format": "json"
  }
}'

What you can do with it

Compare mortgage rates by loan purpose and location.
Track published mortgage APRs and weekly rate changes.
Compare savings, CD, and money market account yields.
Review account banks, minimum deposits, and sponsorship status.

Questions about Bankrate

Can I run it with my own inputs?

Yes. Change the inputs in Studio and press Run, or send new inputs from your code, or ask a connected AI assistant.

Can I call this Bankrate tool as an API?

Yes. Send a POST request to /v1/query with your Fous API key and the inputs, and get JSON back.

How much does it cost?

Each completed run costs 1 credit. Failed runs without a completed receipt are free; completed work can remain charged if delivery is interrupted. With pay as you go, a credit costs 1¢. Monthly plans cost less per credit.

Do I need a Bankrate account?

No. You only need a Fous account.

How current is the data?

Fous gets the data from bankrate.com when you run it. Some results are reused for up to 24 hours, and results that use your account or key are never reused. It was last verified on Sep 29, 2026.