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<p>Right now, top high-yield savings accounts are offering up to 5.00% APY as of Nov. 27, 2025—and that blows away the FDIC’s national average of 0.40%. For savers who actually want their money to earn something, that’s worth paying attention to.</p><p>Whether you’re socking away an emergency fund, saving for something big like a vacation, putting away money ahead of buying gold or silver, or thinking long-term about retirement goals, a high-yield savings account deserves serious consideration. It’s a no-fuss way to get real returns.</p><p>The three highest-APY accounts we’ve identified are as follows:</p><ul><li>Earn up to 5.00% with Varo Money.</li><li>Earn up to 4.51% with Axos Bank.</li><li>Earn up to 4.35% with Newtek Bank.</li></ul><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul>#qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; 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} #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container &gt; .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }<h2>The highest savings account rates on November 27, 2025</h2><p><em>Fortune</em>has partnered with the financial industry consultants at Curinos to give you an accurate look at the highest savings account rates on the market. Varo Money takes the top spot, followed by Axos Bank and Newtek Bank. Read on to see our full list of HYSAs and find the one that’s right for your needs.</p><h3>What the Fortune/Curinos partnership means for you</h3><p>We partner with Curinos—an industry leader that has operated in the financial services space for over three decades—to track daily rates across savings accounts and CDs from a wide range of institutions. That consistent stream of reports helps us build a genuinely useful resource to point you toward accounts worth your attention.</p><h2>History of savings account rates</h2><p>While the average savings account rate has increased from the lows seen from 2020 to 2022, it’s still far below the APYs available on the most generous high-yield savings accounts on our list.</p><h2>Why should you choose a high-yield savings account?</h2><p>Let’s first clarify that “high-yield savings account” isn’t an official product category. It’s shorthand for any savings account at a bank or credit union offering rates that significantly outpace the industry average.</p><p>In many cases, high-yield savings accounts are offered by online banks rather than those with brick-and-mortar branches. By not having to pay for branch infrastructure, and oftentimes by offering a slimmed-down selection of products, online banks can provide higher rates to their customers.</p><h3>Pro tip</h3><p>Learn more about different types of savings accounts.</p><p>If you’re comfortable with online banking, switching to a high-yield account can substantially boost the interest you earn on your savings. Depending on your balance and account’s specific APY, you could potentially pocket hundreds more each year versus sticking with a traditional savings account.</p><h3>How much interest can you earn with a higher APY?</h3><p>Here’s a hypothetical to illustrate why HYSAs are worthwhile. Imagine $5,000 sitting untouched for a year. The estimates below show what one might earn in an account with a 5.00% APY compared to one with a mere 0.40% APY (assuming the APY stays consistent over this period).</p><table><thead><tr><th>Initial Deposit</th><th>Estimated Interest</th></tr></thead><tbody><tr><th><strong>0.40% APY</strong></th><td>$5,000</td><td>$22</td></tr><tr><th><strong>5.00% APY</strong></th><td>$5,000</td><td>$256</td></tr></tbody></table><table><tbody><tr><th><strong>0.40% APY</strong></th></tr><tr><th>Initial Deposit</th><td>$5,000</td></tr><tr><th>Estimated Interest</th><td>$22</td></tr><tr><th><strong>5.00% APY</strong></th></tr><tr><th>Initial Deposit</th><td>$5,000</td></tr><tr><th>Estimated Interest</th><td>$256</td></tr></tbody></table><p>It’s a relatively easy change to make, and one that offers a real, tangible financial benefit.</p><h3>What should you look for in a high-yield savings account?</h3><p>When you’re shopping around, prioritize these elements:</p><ul><li><strong>Solid interest rates.</strong>Hunt for APYs that’ll actually make a difference in what you earn.</li><li><strong>Low or zero minimums.</strong>Most high-yield accounts won’t force you to start with thousands, which helps if you’re beginning your savings journey.</li><li><strong>Lack of fees.</strong>Steer clear of accounts charging monthly maintenance fees that’ll gnaw away at your interest.</li><li><strong>Accessible funds.</strong>Confirm you can withdraw or transfer money freely—be cognizant of withdrawal restrictions or foreign ATM charges.</li><li><strong>Protected deposits.</strong>Make sure you’ve got FDIC insurance for bank accounts or NCUA insurance for credit union accounts.</li></ul><p>Do be aware you’ll owe taxes on the interest you earn.</p>ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered by<h4>The best savings account rates from our partners for December 9, 2025</h4>Account Type Savings &amp; MMAs<ul><li>Savings &amp; MMAs</li><li>MMAs Only</li><li>Savings Only</li></ul>ZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...<ul><li><p><img src="https://cdn.accountdigital.net/FrqJqhmIsaMpaQMg54QJ6AUVO4R8"></p>3.75 %<p>December 9, 2025</p>$ 100$ 938<p>Over 1 Year</p>Savings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILS<p>QUICK LOOK<br>CIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.</p>READ BANK REVIEW</li><li><p><img src="https://cdn.accountdigital.net/Fk36OcwLNlWYlQisSYdMJleJYjOd"></p>4.35 %<p>December 2, 2025</p>$ 0$ 1088<p>Over 1 Year</p>Savings AccountNewtek BankMember FDIC<p>QUICK LOOK<br></p></li><li><p><img src="https://cdn.accountdigital.net/FhTCnw7I5NH6UFBT62zqIJ03_9G9"></p>4.20 %<p>December 9, 2025</p>$ 0$ 1050<p>Over 1 Year</p>Savings AccountLendingClubMember FDICEarn our LevelUp rate with $250 in monthly deposits, plus no fees.OFFER DETAILS<p>QUICK LOOK<br>LendingClub Bank is an FDIC-insured online bank known as Radius Bank until it was acquired by LendingClub in February 2021. Consumers looking for an online bank that offers competitive yields, low fees and ample ATM access might consider LendingClub Bank a solid option.</p>READ BANK REVIEW</li></ul><ul><li>1</li><li>2</li><li>3</li><li>4</li><li>5</li><li>...</li><li>67</li></ul><h2>Frequently asked questions</h2><h3>Are savings account rates going to fall?</h3><p>Potentially. When the Federal Reserve adjusts its benchmark federal funds rate, financial institutions follow along in many instances. Since the Fed kicked off some recent rate cuts in late 2025—good news for borrowers, less so for savers—there’s a legitimate possibility of some savings account rates going down as well.</p><h3>Can I lose money in a high-yield savings account?</h3><p>As long as your account is insured by the FDIC or NCUA, your deposits are protected up to a $250,000 maximum per institution. And, unlike stock investments, your savings account balance isn’t at the mercy of market swings, though inflation running ahead of your APY could eat away at your purchasing power.</p><h3>Is a high-yield savings account still worth it?</h3><p>Yes. Despite recent Fed rate cuts, numerous high-yield savings accounts still deliver near or even over 4.00% APY. These accounts are effectively the best option for earning substantial interest on your money while keeping it readily accessible. However, if you’re open to locking your funds away for a set period of a time, a CD could be worth considering as an alternative.</p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

The best high-yield savings account rates on Nov. 27, 2025: Earn up to 5.00% APY

<p>At 8:15 a.m. Eastern Time on December 2, 2025, silver stood at $57.60 per ounce. That marks a $0.01 increase from this time yesterday and more than a $27 rise compared with one year ago.</p><table><thead><tr><th>Silver price per ounce</th><th>% Change</th></tr></thead><tbody><tr><th>Price of silver yesterday</th><td>$57.59</td><td>0.00%</td></tr><tr><th>Price of silver 1 month ago</th><td>$48.70</td><td>+18.27%</td></tr><tr><th>Price of silver 1 year ago</th><td>$30.51</td><td>+88.79%</td></tr></tbody></table><table><tbody><tr><th>Price of silver yesterday</th></tr><tr><th>Silver price per ounce</th><td>$57.59</td></tr><tr><th>% Change</th><td>0.00%</td></tr><tr><th>Price of silver 1 month ago</th></tr><tr><th>Silver price per ounce</th><td>$48.70</td></tr><tr><th>% Change</th><td>+18.27%</td></tr><tr><th>Price of silver 1 year ago</th></tr><tr><th>Silver price per ounce</th><td>$30.51</td></tr><tr><th>% Change</th><td>+88.79%</td></tr></tbody></table><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul><h2>Historical silver performance&nbsp;</h2><p>Silver isn’t a shortcut to quick wealth. Over extended periods, it lags traditional equities significantly. Since 1921, silver’s value has underperformed the S&amp;P 500 by roughly 96%. In practical terms, an equal investment split between silver and stocks back then would mean the silver portion would be worth something in the realm of 96% less than your stock.&nbsp;</p><p>However, silver is viewed as a relatively stable asset suited to preserve purchasing power. Often called a “store of value,” it generally holds up in inflationary environments. It can act as a buoy for your funds when inflation rises.&nbsp;</p><p>Compared with gold, silver exhibits more volatility. Gold’s primary role is as a value haven—whereas silver also serves many industrial uses. Because of this industrial demand, swings can have a more pronounced impact on silver’s pricing.</p><h2>What does “spot silver” mean?&nbsp;</h2><p>Simply put, the “spot silver” price reflects the rate at which silver can be bought or sold instantly. But in practice, you’ll usually pay above spot to cover markups, shipping, insurance, and other expenses.&nbsp;</p><p>Investors track the spot price as a benchmark for real-time demand and market trends. A higher spot rate shows elevated demand.</p><h2>What is “price spread” in silver trading?&nbsp;</h2><p>The “price spread” refers to the gap between silver’s purchase and sale prices. Key terms include:&nbsp;</p><ul><li><strong>Ask price.</strong>This refers to what you pay to acquire silver&nbsp;</li><li><strong>Bid price.</strong>This refers to what you receive when you sell silver&nbsp;</li></ul><p>As expected, the bid price sits below the ask price. A narrow spread indicates high demand for silver.&nbsp;</p><h2>How to invest in silver&nbsp;</h2><p>You have options if you’re looking to put your money in silver. Broadly, these can be categorized as physical ownership or silver exchange-traded funds (ETFs).&nbsp;</p><p>ETFs are more common and let you purchase shares in a fund that holds silver, removing the need to handle storage or insurance personally.&nbsp;</p><p>Common silver investments include:&nbsp;</p><ul><li><strong>Silver bullion.</strong>This includes bars or rounds sold by weight and purity.&nbsp;</li><li><strong>Silver coins.</strong>Think minted currency like American Silver Eagles or Silver Maple Leafs, often priced with a premium for rarity and government guarantee.&nbsp;</li><li><strong>Silver jewelry</strong>. Specifically, crafted pieces that are worth more than equivalent-purity bullion.&nbsp;</li><li><strong>Silver mining stocks.</strong>This type of investment refers to shares in companies that extract silver, giving you indirect exposure.&nbsp;</li></ul><p>On exchanges, silver bullion and coins must meet the “three nines fine” standard (99.9% purity). Anything less is generally treated as collectible or industrial grade.&nbsp;Read our post on the best silver IRA companies for more details on the best way to invest in precious metals.</p>#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; 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font-weight: 600; } }<h2>Is it a good time to invest in silver?&nbsp;</h2><p>In 2025, silver’s price has climbed nearly 25% year-to-date, reaching levels unseen in the past decade.&nbsp;</p><p>Whether it’s the right time to buy depends on your outlook. If inflation concerns weigh on you, precious metals can act as hedge. Likewise, anticipated surges in industrial demand—from renewable energy to electronics—could potentially fuel further gains.&nbsp;</p><h2>Current precious metals prices as of 8:15 a.m. ET on December 2, 2025&nbsp;</h2><table><thead><tr><th>Precious metal&nbsp;</th><th>Price per ounce</th></tr></thead><tbody><tr><th>Gold</th><td>$4,204.57</td></tr><tr><th>Silver</th><td>$57.60</td></tr><tr><th>Platinum</th><td>$1,628.18</td></tr><tr><th>Palladium</th><td>$1,443.27</td></tr></tbody></table><table><tbody><tr><th>Gold</th></tr><tr><th>Price per ounce</th><td>$4,204.57</td></tr><tr><th>Silver</th></tr><tr><th>Price per ounce</th><td>$57.60</td></tr><tr><th>Platinum</th></tr><tr><th>Price per ounce</th><td>$1,628.18</td></tr><tr><th>Palladium</th></tr><tr><th>Price per ounce</th><td>$1,443.27</td></tr></tbody></table><p>Gold, platinum, and palladium are still very popular with investors. Platinum and palladium often mirror silver’s volatility; their smaller markets magnify price swings. Gold, by contrast, tends to be the least volatile of the four.</p><h3>Pro tip</h3><p>Prefer gold? Check out our list of the best gold IRA companies.</p><h2>The takeaway&nbsp;</h2><p>With ongoing economic uncertainty, precious metals are worth considering. Silver’s 2025 performance has outpaced gold’s, and many analysts predict the likelihood of further upside—potentially driving silver to record highs.&nbsp;</p><p>Given its affordability relative to gold, silver is an accessible entry point into the world of precious metal investing. Whether you choose physical coins and bars, ETFs, or mining stocks, you can set yourself up to benefit from the next silver rally.</p><h2>Frequently asked questions</h2><h3>What percentage of my portfolio should I allocate to silver?</h3><p>Advisors generally recommend allocating not more than 10% to 15% to silver, keeping total precious-metals exposure at or below 20%.</p><h3>Can silver be held in an IRA?</h3><p>Yes, you use your IRA to invest in IRA-approved silver products, such as coins and bars. The silver must be 99.9% pure and stored with an IRS-approved custodian. This means constitutional or junk silver, referring to coins minted in the U.S. prior to 1965 and containing a substantial silver content (often around 90%), are not eligible to include in a silver IRA.&nbsp;</p><p>That said, silver that doesn’t meet this purity threshold can still be a smart investment in jewelry or coins with numismatic value—you just can’t use funds from your IRA to buy it.</p><h3>What’s driving silver prices in 2025?&nbsp;</h3><p>A mix of constrained supply and rising industrial demand, plus investor demand, has pushed silver prices higher this year.&nbsp;</p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Current price of silver as of Tuesday, December 2, 2025

<p>The current average refinance rate on a 30-year, fixed-rate home loan is 6.13%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.</p><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul><h2>Current refi rates data</h2><h3>Conventional mortgages</h3><table><tbody><tr><td>30-year</td><td>6.13%</td></tr><tr><td>20-year</td><td>6.53%</td></tr><tr><td>15-year</td><td>5.46%</td></tr><tr><td>10-year</td><td>5.42%</td></tr></tbody></table><h3>Jumbo mortgages</h3><table><tbody><tr><td>30-year</td><td>6.76%</td></tr><tr><td>15-year</td><td>5.89%</td></tr></tbody></table><h3>FHA loans</h3><table><tbody><tr><td>30-year</td><td>7.25%</td></tr><tr><td>15-year</td><td>5.19%</td></tr></tbody></table><h3>VA loans</h3><table><tbody><tr><td>30-year</td><td>5.51%</td></tr><tr><td>15-year</td><td>5.23%</td></tr></tbody></table><p>Note that<em>Fortune</em>reviewed the most recent Zillow data available as of Nov. 26.</p><h2>How mortgage refinancing works</h2><p>Boiled down to the basics, mortgage refinancing involves paying off your existing loan with a new one. This process requires meeting the lender’s criteria as is the case for any loan—including your credit profile, income verification, and debt-to-income (DTI) ratio.&nbsp;</p><p>The application process may knock your credit score a little bit due to a hard inquiry, and there’s also the risk of denial if you don’t meet the lender’s requirements.</p><h2>What’s happening with mortgage rates in the market?</h2><p>Some observers had hoped that mortgage interest rates might decrease following the Federal Reserve’s cuts to the federal funds rate late last year. But mortgage rates long remained near 7% for 30-year, fixed-rate loans nationwide.&nbsp;</p><p>Mortgage interest rates remain significantly elevated compared to the pandemic-era lows in the range of 2% and 3%. As of the third quarter of 2024, 82.8% of homeowners with mortgages had rates below 6%, according to Redfin. This means a large number of Americans have been experiencing the lock-in effect, unable to move or refinance because they’re hanging onto a once-in-a-lifetime rate.&nbsp;</p><p>However, some relief came in sight toward the end of August and beginning of September 2025 and continued in October. Mortgage rates trended noticeably downward, averaging closer to 6% for 30-year, fixed-rate loans than had been seen in almost a year. This was largely connected with markets anticipating the Fed would cut the federal funds rate when it met Sept. 16-17.</p><p>The central bank delivered on this expectation, reducing its benchmark rate by a quarter percentage point in September, and followed up with another quarter percentage point cut in October.</p><h2>When it might make sense to refinance your mortgage</h2><p>Refinancing comes with upfront costs, so it’s important to consider when it’s beneficial. One guideline you’ll often hear is that it makes sense to refi if you can secure a rate at least a percentage point lower than your current rate. For instance, if you took out a loan at 7% and rates have since declined, refinancing at 6% would probably be a smart call in terms of long-term savings.</p><p>You might also refinance to tap into your home equity via a cash-out refinance (which typically requires that you have at least 20% equity built up).&nbsp;</p><p>Refinancing can also help if you want to change your loan term or switch loan types, such as moving from an FHA loan to a conventional loan to get rid of the FHA loan’s lifetime mortgage insurance (MIP) requirement, or from an adjustable-rate mortgage to a fixed-rate mortgage to avoid the potential for rate hikes.</p><p>Additionally, refinancing can be beneficial if you want to adjust your loan term. For example, switching from a 15-year to a 30-year mortgage can allow for smaller monthly payments, which might be more manageable if your financial situation has changed.</p><h2>Costs to refinance your mortgage</h2><p>Refinancing involves closing costs, typically ranging from 2% to 6% of the loan amount. For a $300,000 loan, costs might range from $6,000 to $18,000. Some common costs include:</p><ul><li>Lender origination fees.</li><li>Appraisal fees.</li><li>Title search and insurance fees.</li><li>Loan application fees.</li><li>Survey fees.</li><li>Attorney fees (if required in your state).</li><li>Recording fees.</li><li>Prepayment penalties (if applicable in the terms of your current loan).</li></ul><h2>Different types of mortgage refi loans</h2><p>There are many types of mortgage refinance loans available, and the right one for you will depend on what you’re trying to do and what type of mortgage you currently have. Here are some common refi types:</p><ul><li><strong>Rate-and-term refinance:</strong>This is probably the most popular refi, offering the chance to secure a lower interest rate or change your loan term. Just know that if you choose to shorten your loan term, while that does typically come with a lower rate and meaningful lifetime interest savings, you’ll have to budget for higher monthly mortgage payments.</li><li><strong>Cash-out refinance:</strong>With a cash-out refi, you can tap your home’s equity by paying off your existing loan balance and accepting a new, larger one. You withdraw the difference in cash. That money can then be used for home improvements, consolidating high-interest debt, or virtually any other financial goal you may have.</li><li><strong>No-closing-cost refinance:</strong>Approach this one with a healthy level of skepticism. With this type of refi, your lender covers the closing costs in exchange for charging a higher interest rate. If you don’t have cash on hand for closing costs and could otherwise benefit from a refinance, this option may be worth a look.</li><li><strong>Streamline refinance:</strong>Available to existing FHA, VA and USDA loan borrowers, a streamline refi will typically involve less documentation and offer a more straightforward application and approval process.</li></ul><h2>Refinancing with your existing lender vs. a new one</h2><p>You’re not required to refinance with your original lender. Shopping around might potentially help you find better rates and service.&nbsp;</p><p>That said, some lenders offer incentives, such as waiving closing costs, for staying with them. So you should at least do the due diligence of checking with your existing lender before making a decision.&nbsp;</p><p>Also, know that if your mortgage has been purchased by Fannie Mae or Freddie Mac, you might be eligible for programs like Refi Now and Refi Possible.</p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Current refi mortgage rates report for Nov. 27, 2025

<p>While the bulk of homebuyers choose fixed-rate mortgages, there are cases where you might want to look closely at an adjustable-rate mortgage instead. For example, ARMs can be a smart option for folks buying a property to rent out or flip, or intending to move within a few years—meaning you’d move before the ARM’s introductory fixed-rate period ends and adjustments begin.</p><p>Read on and we’ll explain how an ARM works, when you might want to consider an ARM over a fixed-rate loan, and look at current ARM rates from a few top lenders.</p><p>You can see the previous business day’s ARM rates report here.</p><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul><h2>Average ARM mortgage rates</h2><p>Fortune reviewed the most recent data available as of Nov. 28. These are sample rates provided by the institutions. Each one is based off specific assumptions about a hypothetical borrower’s credit profile and location. Estimates may include an assumption of mortgage discount points. If you choose to apply, know that the rate you receive may vary from the sample rates shown here.</p><table><thead><tr><th>Bank of America 7/6 ARM</th><th>U.S. Bank 7/6 ARM</th><th>Zillow Home Loans 7/6 ARM</th></tr></thead><tbody><tr><th><strong>Interest Rate</strong></th><td>5.500%</td><td>5.750%</td><td>5.875%</td></tr><tr><th><strong>APR</strong></th><td>6.320%</td><td>6.394%</td><td>6.489%</td></tr></tbody></table><table><tbody><tr><th><strong>Interest Rate</strong></th></tr><tr><th>Bank of America 7/6 ARM</th><td>5.500%</td></tr><tr><th>U.S. Bank 7/6 ARM</th><td>5.750%</td></tr><tr><th>Zillow Home Loans 7/6 ARM</th><td>5.875%</td></tr><tr><th><strong>APR</strong></th></tr><tr><th>Bank of America 7/6 ARM</th><td>6.320%</td></tr><tr><th>U.S. Bank 7/6 ARM</th><td>6.394%</td></tr><tr><th>Zillow Home Loans 7/6 ARM</th><td>6.489%</td></tr></tbody></table><p>A 7/6 ARM is one with a fixed rate for seven years, then adjustment periods every six months.</p><h2>Fixed-rate vs. adjustable-rate mortgages</h2><p>About 92% of households with mortgages have fixed-rate home loans. Unlike ARMs, where the interest rate can fluctuate after an initial fixed-rate period, your rate is the same for the life of the loan when you have a fixed-rate mortgage. It’s easy to see why that’s a popular option.</p><p>However, ARMs can make sense in certain situations. In other words, you might find you’re among the roughly 8% of mortgage holders who decide this type of loan offers an opportunity.&nbsp;</p><h3>When you might consider an adjustable-rate mortgage</h3><p>Here are three categories of homebuyer for whom ARMs can be helpful:</p><ul><li><strong>Buyers of temporary or “starter homes.”</strong>If you’re fairly confident you won’t be in your home for long, an ARM might be a strategic choice since you can take advantage of the low fixed-period interest rate and then sell the home before the adjustment period hits.&nbsp;</li><li><strong>Investors.</strong>Many real estate investors like ARMs for a similar reason. They may secure a low interest rate upfront, and as the adjustment period approaches in three, five, or seven years, can adjust the rent to reflect the new mortgage payment or flip the property and buy the next one.&nbsp;</li><li><strong>Buyers during periods of high interest rates.</strong>Finally, many buyers go out on a limb with an adjustable-rate mortgage during periods of high interest since it’s more likely to offer a lower rate upfront andon the back end, assuming things cool off by the time your fixed period expires.&nbsp;&nbsp;</li></ul><h3>Pro tip</h3><p>Saving up for a down payment? Make sure you have a high-yield savings account.</p><h2>How adjustable-rate mortgages work</h2><p>ARMs typically start off with a low, fixed interest rate for a set period of time—such as three, five, seven or 10 years—and after the “fixed period” expires, the “adjustment period” begins.&nbsp;</p><p>Here’s where things get interesting. During the adjustment period, the interest rate on your ARM can fluctuate based on several key factors, including:&nbsp;</p><ul><li><strong>Benchmark rates.</strong>ARMs commonly get their base interest rate from a benchmark called the Secured Overnight Financing Rate (SOFR). The U.S. Treasury publishes a new SOFR each morning as a way to tell banks and lenders “hey, here’s the cost of borrowing cash today.” That, in turn, helps lenders set market-appropriate interest rates for various products from auto loans to mortgages.&nbsp;</li><li><strong>Margins.</strong>The margin is a fixed percentage that your lender adds to the index to come up with your ARM interest rate. So if you have an ARM tied to the SOFR and the SOFR is 5% while your margin is 2%, your ARM rate will be 7%. Margins typically range between 2% and 3.5% and can vary based on the lender, loan and your creditworthiness. Margins are also set in stone as part of the loan agreement, so it’s best to shop around to see which lenders can offer more competitive margins.&nbsp;</li><li><strong>Rate caps.</strong>Finally, rate caps put a limit on how much your rate can rise throughout the course of the loan. “Initial” adjustment caps control how much the rate can rise the first time, “subsequent” adjustment caps dictate how it can rise after the initial cap, and “lifetime” adjustment caps put a limit on how much your interest rate can increase in total.&nbsp;</li></ul><p>The most common ARM length may be the 5/1, meaning the loan has a fixed interest rate for five years, and once that expires, the interest rate will start changing every one year for 25 years (most ARMs have 30-year terms).&nbsp;</p><p>Another common ARM length is the 10/6, meaning you’ll have a 10-year fixed period and a 20-year adjustment period during which the interest rate will change every six months. You may also see 3/1 ARMs, 7/1 ARMs and 10/1 ARMs.&nbsp;</p><p><strong>Learn more:</strong>Why the Secured Overnight Financing Rate might matter for your mortgage.</p><h2>Refinancing from an ARM to a fixed-rate mortgage</h2><p>Sometimes, even if it was advantageous to buy your property using an ARM, you eventually realize a fixed-rate mortgage would be preferable looking ahead. For instance, maybe you’ve decided your first home is going to be a long-term home after all. You’re not alone if that’s the situation—research from 2024 found that a substantial number of Millennial and Gen Z homeowners can’t afford to upgrade and are making do with their starter homes.</p><p>Regardless of the specific reason, know that it is possible to refi from an ARM to a fixed-rate mortgage. In fact, it’s probably a fairly common reason for ARM holders to refinance.&nbsp;&nbsp;</p><p>Refinancing from an ARM to a fixed-rate mortgage isn’t rocket science, and works pretty much like refinancing from fixed-to-fixed. You’ll apply with multiple lenders to find the best rates, provide the necessary documentation, close on your new loan and pay your old loan in full.</p><h2>Pros and cons of adjustable-rate mortgages</h2><p>Like any other mortgage type, ARMs come with a mix of pros and cons. While your lender can ultimately decide which mortgage type is right for you, knowing the basics can help you budget and navigate the early steps of the process:&nbsp;</p><p>N/A</p><h3>Pros</h3><ul><li><strong>Possibility for a lower interest rate upfront.</strong>Lenders typically offer lower interest rates for ARMs than fixed-rate mortgages during the initial (aka fixed) period.&nbsp;</li><li><strong>Lower borrower requirements.</strong>Because monthly payments start out lower, many lenders may ease requirements for ARM borrowers compared to fixed-rate borrowers (e.g. potentially accepting borrowers with 50% DTI).&nbsp;</li><li><strong>Monthly payments may decrease.</strong>If interest rates drop between now and when your fixed period ends, you may find yourself paying an even lower monthly payment.&nbsp;</li></ul><h3>Cons</h3><ul><li><strong>But, monthly payments may go up.</strong>Once your fixed rate expires, your interest rate can rise as high as the lifetime cap allows (often up to 5 percentage points higher than your starting rate). To illustrate, if the interest rate on a $400,000 principal rose from 7% to 12% overnight, the monthly payment would rise from something like $2,661 to around $4,114—a leap of $1,453, or 54.6% to put it another way.</li><li><strong>Difficult to rate shop.</strong>When discount points are removed from the equation, fixed-rate mortgage offers from Lenders No. 1 and No. 2 will be relatively easy to compare apples to apples. ARMs, however, have numerous moving parts and it can be difficult to find the right deal upfront.&nbsp;</li><li><strong>Less peace of mind.</strong>Even as the cost of taxes and insurance rises, fixed-rate borrowers have the peace of mind knowing that their fundamental mortgage payment will never change. ARM borrowers may enjoy lower rates upfront and possibly lower rates long term, but they won’t enjoy that long-term sense of stability.</li></ul><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Current ARM mortgage rates report for Dec. 1, 2025

<p>Do you have large upcoming expenses which you’re not entirely sure how to finance? You may lean instinctively toward a personal loan—or worse, carrying a balance on a credit card.</p><p>If you’re a homeowner, you may have another option. A home equity line of credit (HELOC) can be a convenient way to borrow against the value of your home. There are several advantages to this method of financing, but it also comes with significant risk. Here’s what you need to know about taking out a HELOC.</p><h2>What is a HELOC?</h2><p>A home equity line of credit is a type of loan that allows you to borrow from the equity you’ve built in your property. Equity is simply the value of your home minus the amount you owe on your loan.</p><p>A HELOC is a secured loan that uses your home as collateral. Secured loans often benefit from lower interest rates—but they can also result in forfeiting your collateral if you default on your loan. In other words, you could lose your home if you fail to repay your HELOC.</p><p>To take out a HELOC, you typically need to have built more than 15% equity in your home. Most lenders require that you keep between 15% and 20% equity in your home. For example, if your home is worth $400,000 and you owe $200,000, you’ve built 50% equity. A lender requiring you to keep 20% equity in your property would hypothetically allow you to borrow up to 30% of your equity, or $120,000.</p><p>Depending on the amount of equity you’ve got, taking out a HELOC can be a good option when you need more funds than would be offered with a traditional personal loan (often capped at $100,000).</p><h2>How does a HELOC work?</h2><p>A HELOC is a revolving line of credit—it works similar to a credit card.</p><p>Instead of receiving a lump sum of cash as is the case with a standard personal loan, you receive access to a credit line that increases and decreases as you spend and repay your balance. You’ll only pay interest on your balance; the money you don’t spend won’t cost you as it sits and waits to be deployed.</p><p>A HELOC often consists of two phases:</p><p>The “draw” period. Depending on the specific terms, you may get up to 10 years to use your line of credit.</p><p>The “repayment” period. After the draw period, you’ll no longer be able to spend on your credit line and you must repay what you currently owe. You can pay it all back at once or begin a monthly installment plan. You’ll often receive up to 20 years to repay what you owe.</p><p>If you’d like to keep your HELOC after the draw period, you may be able to refinance it for another 10 years.</p><p>Taking out a HELOC isn’t free. You’ll often pay closing costs like an origination fee, home appraisal fee, title search fee, and more. You could pay up to 5% of your loan amount in fees.</p><h2>When does a HELOC make sense?</h2><p>First and foremost, if you suspect for a second that you’ll have trouble repaying your HELOC, it’s not a good idea. Again, this loan is backed by your home—so defaulting can mean losing your property to the lender.</p><p>A HELOC can be a smart move for those with larger ongoing purchases that can’t be paid off within a few months. For example, if you’re renovating your home in increments and find yourself making large purchases a handful of times each year, you may choose to finance it with a low-APR HELOC instead of a high-APR credit card.</p><p>Other justifiable uses include:</p><ul><li>Emergency expenses</li><li>Car repairs</li><li>Health expenses</li></ul><p>A HELOC may not make sense for impulse buyers. If you’re considering a HELOC for a recreational purchase that you don’t currently have the funds to afford—think vacations, jewelry, electronics, etc.—a HELOC isn’t a good idea. Don’t allow a HELOC to enable overspending.</p><h2>Pros and cons of a HELOC</h2><h3>Pros:</h3><ul><li>Potentially borrow more than you’ll get from a traditional personal loan</li><li>Only pay interest on the funds you use</li><li>Typically lower APR than credit cards and personal loans</li></ul><h3>Cons:</h3><ul><li>Defaulting on your loan can result in losing your home</li><li>Interest rates are often variable (unlike a traditional personal loan)</li><li>Lowers your home equity until repaid</li></ul><h2>How to qualify for a HELOC</h2><p>Qualifying for a HELOC is a bit more involved than, say, the average credit card or personal loan requirements. In addition to details like potential home appraisal, notary involvement, and title searches, you’ll need a good credit profile and debt-to-income ratio (below 40% is ideal). You’ll also need to have built more than 15% or 20% equity in your home.</p><p>When opening a HELOC, be prepared to show proof of employment and income. Lacking either of these can disqualify you, as well.</p><h2>HELOC vs. home equity loan</h2><p>A home equity line of credit differs from a home equity loan in one major way: One is a revolving line of credit and the other is an installment loan:</p><p>A home equity loan dumps a sum of cash into your bank account and enrolls you in equal monthly payments until the money is paid back—including interest.</p><p>A HELOC provides no cash upfront. You’ll get a credit limit that you can spend and repay as you choose.</p><p>A home equity loan is likely a better choice if you need a lot of money upfront for an expense and you don’t want to be subject to fluctuating interest rates. It’s also ideal if you don’t foresee continually needing to draw from your equity. For example, consolidating existing high-interest debts from other accounts is oftentimes a good use of a home equity loan.</p><p>On the other hand, a HELOC is better if you plan to (or suspect you might) frequently make large purchases and pay them off. A HELOC also functions as a better emergency tool than a home equity loan, as you won’t pay interest unless you spend it.</p><h2>Alternatives to a HELOC</h2><p>A HELOC isn’t the only way to finance your large (or small) purchases. Here are other common options that may better suit your needs in some situations:</p><ul><li><strong>Personal loan:</strong>Unsecured personal loans generally come with higher APYs than HELOCs, but at least you aren’t putting your home up as collateral. If you need a lump sum totaling less than $100,000, it could be a fair option.</li><li><strong>Credit card:</strong>If you’re seeking a revolving credit line for daily purchases that you can easily pay back each month—generally avoiding interest charges if you pay in full each statement cycle—a credit card is a better choice. Many earn rewards on purchases and come with purchase insurance. Some even offer a 0% introductory APR for a year or two.</li><li><strong>Cash-out refinance:</strong>If mortgage interest rates have decreased considerably since you took out your loan, you may benefit from refinancing your mortgage for more than you owe. You can put the difference in your pocket.</li></ul><h2>Frequently asked questions</h2><h3>How much can I borrow with a HELOC?</h3><p>Many lenders allow you to borrow between 80% and 85% of your home equity when taking out a HELOC.</p><h3>Can I convert my HELOC to a fixed rate?</h3><p>Some financial institutions allow you to convert a portion of your HELOC to a fixed interest rate.</p><h3>How does a HELOC affect my credit score?</h3><p>When taking out a HELOC, your credit report will sustain a hard credit inquiry. This will temporarily ding your credit score. However, your credit score will likely bounce back and even increase with responsible credit usage.</p><h3>Does a HELOC have annual fees?</h3><p>Some (but not all) HELOCs charge annual fees.</p><h3>How do I calculate my home equity?</h3><p>To calculate your home equity, simply subtract your loan amount from the current value of your home. For example, if your home is worth $250,000 and you owe $200,000, you have $50,000 (or 20%) in equity.</p>

What is a HELOC (home equity line of credit)?

<p>One of the biggest&nbsp;mortgage lenders&nbsp;in terms of dollar volume is Rate Mortgage, ranking 6th only behind juggernauts like Chase, U.S. Bank, and&nbsp;Rocket Mortgage, per recent Home Mortgage Disclosure Act numbers.&nbsp;You may know the lender under its&nbsp;previous&nbsp;title,&nbsp;“Guaranteed Rate,” which was rebranded simply to “Rate” in 2024.</p><p>With its laundry list of loan options and unique programs that subsidize low- to moderate-income buyers, Rate Mortgage does a lot of things well. But is it the right institution to fulfill your homebuying goals?&nbsp;Here’s&nbsp;a rundown of what you can expect from Rate.</p><p><em>Lender details checked Nov.&nbsp;20, 2025, and are subject to change.</em></p><h3>Rate Mortgage</h3><table><tbody><tr><td>Minimum credit score</td><td>620</td></tr><tr><td>States available</td><td>50</td></tr><tr><td>Mortgage loan options</td><td>Fixed-rate, adjustable-rate, conventional, jumbo, FHA, VA, USDA, interest-only, non-QM, physician, reverse</td></tr></tbody></table><p><img src="https://cdn.accountdigital.net/FvgR7Mu7H7fb7QmKqsPSH7wlSyqM"></p>View offer<p>at Bankrate</p>Application process Rate has a simple online mortgage process that starts with PowerBid, its signature preapproval process that could potentially have you preapproved in just five minutes. The loan application takes approximately 10-15 minutes and you could be approved the same day. According to Rate, it typically takes 30-45 days to close on a loan, but you could close in as little as 10 days.Who its best for Rate is a strong choice for borrowers who want a smooth online loan process. And thanks to its same-day approval and closings in as little as 10 days, it could be a good option for borrowers who want an expedited mortgage process too. Company information<ul><li><strong>Year Founded</strong>: 2000</li><li><strong>Company Headquarters</strong>: Chicago, IL</li><li><strong>CEO</strong>: Victor F. Ciardelli III</li></ul><h2>Who is Rate Mortgage best for?</h2><p>Most features of Rate Mortgage are&nbsp;relatively standard&nbsp;across mortgage lenders, but it does have a handful of unique features that will appeal to certain borrowers.</p><p>First,&nbsp;it’s&nbsp;good for those who want to service their mortgage in-person.&nbsp;Rate offers more than&nbsp;340 branches across 47 states. This is a&nbsp;perk&nbsp;that fully digital lenders, such as&nbsp;Rocket Mortgage,&nbsp;don’t&nbsp;offer.</p><p>Rate Mortgage also offers certain loan types that you&nbsp;won’t&nbsp;find with every lender. As an example,&nbsp;Rate&nbsp;issues&nbsp;non-qualified mortgages (non-QMs) which cater to those without a Social Security number, the self-employed, and real estate investors.</p><p>And because Rate Mortgage publishes its rates online,&nbsp;it’s&nbsp;also helpful for those still in the rate shopping stage. Some lenders require that you reach out to customer service to learn current rates—but it just takes a few clicks on the Rate Mortgage website.</p><p>N/A</p><h3>Pros</h3><ul><li>Displays rates online</li><li>Wide selection of loan&nbsp;option</li><li>Up to $2,000 grant to help with down payment</li></ul><h3>Cons</h3><ul><li>Historically below-average satisfaction rating with J.D. Power</li><li>Some loans may be sold to third parties</li></ul><h2>Rate Mortgage home loan options</h2><p>Rate Mortgage issues standard loan type, but&nbsp;you’ll&nbsp;also find some more niche options.</p><h3>Conventional loans</h3><p>The most flexible type of mortgage, a conventional loan can be used for&nbsp;nearly any&nbsp;property type—from single-family homes to investment properties. Rate Mortgage offers 15-year fixed, 30-year fixed, and&nbsp;adjustable rate&nbsp;mortgages (ARMs).</p><p>You can also use programs like&nbsp;Fannie Mae HomeReady&nbsp;with a conventional loan, which provides up to 97%&nbsp;financing.</p><h3>FHA loans</h3><p>This is a government-backed loan that extends more flexibility to&nbsp;would-be&nbsp;homebuyers who have less-than-stellar&nbsp;credit profiles. FHA loans require as little as 3.5% down (depending on your credit score). However,&nbsp;you’ll&nbsp;have to pay Mortgage Insurance Premium payments.</p><h3>USDA loans</h3><p>Government-backed USDA loans are designed to help those with low-&nbsp;or moderate-income who are interested in&nbsp;purchasing&nbsp;a home in eligible rural areas. Uniquely, no down payment is&nbsp;required—and mortgage insurance costs are&nbsp;typically&nbsp;lower, too.</p><h3>VA loans</h3><p>Eligible service members, veterans, and spouses can use a VA home loan, backed by the Department of Veterans Affairs, to buy a home with several conveniences and money-saving benefits. For example, you can buy with no minimum credit score requirement, no lender fee when you close, and potentially no down payment.</p><h3>Jumbo loans</h3><p>A jumbo loan is a non-conforming loan that allows you to buy a more expensive home than a conventional mortgage may cover. For example, conforming loans&nbsp;eligible for Fannie Mae and Freddie Mac to take on&nbsp;are typically capped at&nbsp;$806,500&nbsp;(though&nbsp;the&nbsp;conforming loan limit is sometimes higher&nbsp;based on location). If the home you want is more expensive than that, a jumbo loan may be necessary.</p><p>Through Rate Mortgage, you can open a jumbo loan with as little as 10% down. Some lenders require 20% down, so this is an advantage of opening your loan through Rate.</p><h3>Closed-end&nbsp;second mortgages</h3><p>Effectively a home equity loan, a closed-end second mortgage allows you to borrow against the equity&nbsp;you’ve&nbsp;built into your home by receiving a lump sum of cash.&nbsp;You’ll&nbsp;then be put on an installment plan until that equity has been repaid into your home. They&nbsp;can be&nbsp;agreat&nbsp;resource&nbsp;for things like debt consolidation or a large emergency purchase that you&nbsp;can’t&nbsp;otherwise afford.</p><h3>Home equity lines&nbsp;of credit (HELOC)</h3><p>Similar to a home equity loan, a HELOC is a revolving line of credit backed by your&nbsp;home’s&nbsp;equity. When you use a&nbsp;portion&nbsp;of your credit line, your borrowing amount will decrease. Pay it back, and your credit line will replenish (just like a credit card).</p><p>In general, your line of credit will stay open for 10 years.&nbsp;You’ll&nbsp;then have to repay your outstanding balance—up to 20 years or more.</p><h3>Reverse mortgages&nbsp;</h3><p>A&nbsp;reverse mortgage&nbsp;with Rate is another way to borrow against your home’s equity. Those aged 62 or older and with at least 60% equity built in their home can request a reverse mortgage to avoid mortgage payments and receive money to help fund living expenses. This diminishes the profit&nbsp;you’ll&nbsp;make when selling the house, as a&nbsp;portion&nbsp;of your profit will go toward repaying the loan.&nbsp;</p><h3>Non-qualified mortgages</h3><p>A non-qualified mortgage (non-QM) helps those in unique situations to buy a home. Rate&nbsp;Mortgage&nbsp;offers the following non-QM options:</p><ul><li><strong>Bank Statement:</strong>&nbsp;For those who&nbsp;don’t&nbsp;have traditional income (say, from a W-2), lenders look at your bank statements instead of your paystubs. This is great for investors, real estate agents, etc.</li><li><strong>Full Doc:</strong>&nbsp;Fully documented home loans require that you give the lender your bank/investment account statements proving&nbsp;you’ve&nbsp;got the means to cover the down payment and any closing costs—in addition to verification of employment. This can&nbsp;potentially&nbsp;result in better loan terms and options.</li><li><strong>ITIN:</strong>&nbsp;Even if you&nbsp;don’t&nbsp;have a Social Security number,&nbsp;it’s&nbsp;possible to still buy a home with an Individual Taxpayer Identification Number (ITIN) home loan.&nbsp;As long as&nbsp;you’ve&nbsp;got an ITIN, another form of identification (like a&nbsp;driver’s&nbsp;license), and proof of employment history, you may be eligible.</li><li><strong>DSCR:</strong>&nbsp;A debt service coverage ratio home loan is for anyone interested in buying an “income-producing” property, such as an apartment building they intend to rent. You&nbsp;may&nbsp;be able to&nbsp;use the cash flow of the property to receive approval instead of your own personal income.</li><li><strong>Self Employed 1099:</strong>&nbsp;This loan is designed for the self-employed (think freelancers, business owners, etc.).</li></ul><h3>Home renovation loans&nbsp;</h3><p>If&nbsp;you’d&nbsp;like to give your home a facelift, a home renovation loan&nbsp;can be&nbsp;a smart way to finance it. You can borrow based on the value of your property after you implement your desired improvements.</p><h3>Refinancing</h3><p>Rate Mortgage also offers refinancing options for your home, which can potentially reduce monthly payments&nbsp;if interest rates have dropped. You can even refinance beyond what you currently owe to get some extra cash for needs like debt consolidation.&nbsp;</p><h2>Does Rate Mortgage offer discounts or&nbsp;assistance?</h2><h3>Fannie Mae HomeReady and Freddie Mac Home Possible</h3><p>For conventional loans, Rate Mortgage loans qualify for popular&nbsp;assistance&nbsp;programs from Fannie Mae and Freddie Mac.</p><p>Fannie Mae HomeReady and Freddie Mac Home Possible are programs that provide qualified low- to moderate-income&nbsp;buyers&nbsp;the ability to buy a home with a&nbsp;down payment&nbsp;as little as 3%. Just note that&nbsp;you’ll&nbsp;pay private mortgage insurance until&nbsp;you’ve&nbsp;achieved 20% equity in your home.</p><p>Additionally, these programs are lenient when it comes to&nbsp;the source of&nbsp;funds for your down payment.&nbsp;Money from&nbsp;grants&nbsp;and&nbsp;gifts from relatives&nbsp;is acceptable,&nbsp;and&nbsp;unsecured loans&nbsp;may&nbsp;even&nbsp;qualify&nbsp;in certain circumstances (which is unusual).</p><h3>“OneDown” by Rate</h3><p>Rate Mortgage offers a program called&nbsp;OneDown&nbsp;which further lowers the amount you need for a down payment.</p><p>If you make between 51% and 80% of the Area Median Income of your location,&nbsp;this program&nbsp;provices&nbsp;either $2,000 or 2% of the&nbsp;home’s&nbsp;purchase price, whichever is lower. This is a grant that you&nbsp;don’t&nbsp;need to pay back. And if you make 50% or below the Area Median Income, you can&nbsp;potentially&nbsp;receive up to $2,500.</p><p>OneDown&nbsp;will also provide a $1,000 closing cost credit to offset lender fees, as of this writing.</p><h2>How to apply for a home loan with Rate Mortgage</h2><p>Rate Mortgage makes the home loan application process quick and easy.&nbsp;You’ll&nbsp;begin by stipulating whether&nbsp;you’d&nbsp;like to buy or refinance. Answer a few questions about yourself, including your location, credit score, the estimated price of the home you want, and your down payment.</p><p>After that,&nbsp;you’ll&nbsp;enter more property information, specifics about your income, and reveal any assets that may boost you towards&nbsp;an approval.&nbsp;Rate says it will never sell your information to third parties.</p><p>If you have any application questions, you can&nbsp;contact Rate at 833-539-1346 or send a message at&nbsp;direct.quote@rate.com.</p><h2>Is Rate Mortgage reputable?</h2><p>Rate Mortgage&nbsp;maintains&nbsp;an&nbsp;A+ rating with the Better Business Bureau, which typically means it responds to complaints. However, it receives only 2.42 out of 5 stars.&nbsp;A rating like that can&nbsp;generally be&nbsp;attributed to the fact that disgruntled customers are more vocal than satisfied customers.</p><p>Still, Rate Mortgage scored&nbsp;a little&nbsp;below average on the J.D. Power 2025&nbsp;U.S. Mortgage Origination Satisfaction Study. While the study average was a score of 760, Rate scored a&nbsp;755.</p><h2>Alternatives to Rate Mortgage</h2><h3>Rocket Mortgage&nbsp;</h3><p>Rocket Mortgage&nbsp;is a digital lender that offers a wide range of loan options (though it does lack USDA loans).&nbsp;It’s&nbsp;good for low- to moderate-income customers thanks to its&nbsp;various programs, and it provides solutions to those struggling to&nbsp;come up with&nbsp;a down payment.</p><p>Rocket Mortgage&nbsp;doesn’t&nbsp;have any physical branches, so you&nbsp;can’t&nbsp;service your loan in-person as you can do with Rate Mortgage.</p><h3>Rocket Mortgage</h3><table><tbody><tr><td>Trustpilot Rating</td><td>4.6 out of 5</td></tr><tr><td>Trustpilot Reviews</td><td>38,411</td></tr><tr><td>Loan origination volume as of July 31</td><td>$29.1 billion</td></tr></tbody></table><p><img src="https://cdn.accountdigital.net/Fhe99yPx8nHjaNntIoKyLK-wvVZi"></p>View offer<p>at Rocket Mortgage</p>Company insights<ul><li><strong>Year Founded</strong>: 1985</li><li><strong>Company Headquarters</strong>: Detroit, MI</li><li><strong>CEO</strong>: Jay Bray</li></ul>Fortune Rankings<li><strong>#619</strong>on the 2025 Fortune 500 list</li><li><strong>#28</strong>on Fortune’s 2025 100 Best Companies to Work For list</li><li><strong>#29</strong>on Fortune’s 2024 Best Large Workplaces for Parents list</li><li><strong>#62</strong>on Fortune’s 2024 Best Large Workplaces for Women list</li><li><strong>#2</strong>on Fortune’s 2024 Best Large Workplaces in Real Estate list</li><li><strong>#92</strong>on Fortune’s 2024 Best Large Workplaces for Millennials list</li><li><strong>#2</strong>on Fortune’s 2023 Best Large Workplaces in Financial Services and Insurance list</li><h3>Movement Mortgage</h3><p>Movement Mortgage&nbsp;is an&nbsp;“impact lender,” directing up to 50% of its profit into the communities it works with.&nbsp;It provides plenty of loan types, and it prides itself on its speedy underwriting process and closing time. Movement Mortgage&nbsp;doesn’t&nbsp;disclose&nbsp;its rates online, however, which can be a frustrating experience for those in the rate shopping stage.&nbsp;</p><p>Similar to&nbsp;Rate Mortgage,&nbsp;Movement offers hundreds of physical branches&nbsp;around the U.S., so&nbsp;it’s&nbsp;great for those who prefer an in-person experience.</p><h3>Movement Mortgage</h3><table><tbody><tr><td>Minimum credit score</td><td>580 (for FHA and VA loans)</td></tr><tr><td>States available</td><td>50</td></tr><tr><td>Mortgage loan options</td><td>Conventional, HomeReady, jumbo, high balance, FHA, VA, USDA, renovation, construction, reverse</td></tr></tbody></table><p><img src="https://cdn.accountdigital.net/FgzagHp-dc1aFDeUxj5UTX-T6E1l"></p>View offer<p>at Bankrate</p>Application processMovement Mortgage has two options when you’re ready to apply for your loan: you can contact a loan officer or start your application online. And, Movement even allows you to see a customized rate quote based on your unique situation without having to get prequalified or get a hard inquiry in your credit report.Who its best for Movement Mortgage will stand out for borrowers who want to make an impact with their dollars. The lender uses its profits to give back to its local communities. Through the Movement Foundation, the company has donated $377 million to the neighborhoods it serves. Company information<ul><li><strong>Year Founded</strong>: 2008</li><li><strong>Company Headquarters</strong>: Indian Land, SC</li><li><strong>CEO</strong>: Casey Crawford</li></ul><h2>Is Rate Mortgage right for you?&nbsp;</h2><p>Rate Mortgage may not suit every single potential homebuyer or would-be refinancer.&nbsp;But it’s got just about everything you could want, from non-QM options to financial assistance programs, which covers the vast majority of buyer profiles.</p><p>Again, Rate Mortgage also comes with the added benefit of brick-and-mortar branches for those who are most comfortable talking face-to-face. For something as important as a mortgage,&nbsp;it’s&nbsp;good to have the&nbsp;option&nbsp;to hash things out in-person.</p><p>But one of the most&nbsp;important details&nbsp;when deciding if a lender is right for you is the interest&nbsp;you’ll&nbsp;pay.&nbsp;If after&nbsp;comparing multiple lenders&nbsp;you find that Rate Mortgage offers one of the most competitive rates, you should consider it a serious candidate.</p><h2>How we evaluated this mortgage lender</h2><p>To impartially evaluate Rate Mortgage,&nbsp;<em>Fortune</em>&nbsp;reviewed elements&nbsp;likely to&nbsp;matter most to&nbsp;a&nbsp;majority of&nbsp;customers,&nbsp;from average customer rating to&nbsp;selection&nbsp;of home loan options.&nbsp;<em>Fortune</em>&nbsp;also considered Rate Mortgage’s accessibility and the programs it offers to help those with varying income levels and credit profiles.</p><h2>Frequently asked questions</h2><h3>What’s&nbsp;the difference between Rate Mortgage and Guaranteed Rate?</h3><p>Rate Mortgage was originally called Guaranteed Rate. It was rebranded in July 2024.</p><h3>How long does it take to get approved for a Rate Mortgage loan?</h3><p>You can&nbsp;potentially&nbsp;be preapproved for a mortgage with Rate in&nbsp;as little as five minutes. Rate advertises that you can&nbsp;get your documents signed in as little as one day and achieve actual approval in as little as&nbsp;10 days.</p><h3>What is Rate Mortgage&nbsp;OneDown?</h3><p>Rate’s “OneDown” program is for borrowers who make no more than 80% of the Area Median Income of their location. Depending on your income, Rate will cover up to 2% (or up to $2,500, whichever is less) of your down payment. Combined with programs like Fannie Mae HomeReady,&nbsp;OneDown&nbsp;gives you the ability to open a mortgage with as little as 1% down. It also confers&nbsp;additional&nbsp;credits to offset closing costs.</p><h3>Does Rate Mortgage publish rates online?</h3><p>Rate Mortgage does publish its rates online—something you&nbsp;won’t&nbsp;find with every lender.</p><h3>How many branches does Rate Mortgage have?</h3><p>Rate Mortgage has well over 300 branches across the U.S.&nbsp;That’s&nbsp;considerably fewer&nbsp;than&nbsp;some&nbsp;other lenders, such as&nbsp;Movement Mortgage, but&nbsp;it’s&nbsp;still nice to have the&nbsp;option&nbsp;of visiting a branch if you need an in-person interaction.</p>

Rate Mortgage review 2025

Best banks for early direct deposit of December 2025

<p>You’ve still got time to earn solid returns in a certificate of deposit, but don’t delay. The Federal Reserve cut interest rates three times in 2024, and made two long-awaited cuts in 2025 at its September and October meetings, which means average CD yields are well off their past record highs.</p><p>Currently, the best CD rates offer up to 4.20% annual percentage yield. 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font-weight: 600; } }<h2>Best CD rates Nov. 26, 2025: Earn up to 4.20%</h2><p>The highest CD rate of 4.20% is offered by Newtek Bank on its six-month CD.<em>Fortune</em>partners with Curinos to monitor the top rates offered by leading U.S. financial institutions—helping readers obtain the best returns for their CD investments. Here are the highest CD rates on the market:</p><h3>Pro tip</h3><p>Looking for the best CD to fit your investment needs? See rates from top institutions:<br>–Wells Fargo<br>–Capital One<br>–Chase<br>–Bank of America<br>–Discover Bank<br>–Northern Bank Direct<br>–Ally Bank<br>–Newtek Bank<br>–Popular Direct<br>–Citibank<br>–Sallie Mae Bank</p><h3>Compare CD rates at top national banks</h3><p>If you’re unfamiliar with some or all of the institutions on the list above, that’s no accident. Big banks—Chase, PNC, and U.S. Bank, for example—are more focused on products like loans and credit cards rather than certificates of deposit. Consequently, they tend to offer CD rates that can suffer in comparison to smaller regional institutions or online banks.</p><h2>CD rates news 2025</h2><p>CD investors should understand that market rates are closely tied to Federal Reserve policy decisions, more specifically changes to the fed funds rate. Staying informed about fed interest rate policy is vital for anyone investing in certificates of deposit.</p><p>The Fed cut rates three times in 2024, with the final rate reduction in December fixing fed funds at 4.25%-4.50%. The central bank cut rates to support the economy as inflation finally began to subside after its pandemic surge. As a consequence, CD rates came off their recent highs.</p><p>At its Sept. 16-17, 2025 meeting, the Fed initiated the first rate cut of the year, and followed up with another cut when it met Oct. 28-29. Now, the federal funds rate stands at 3.75%-4.00%. Some CD offerings dipped around the time these cuts rolled out.</p><p>There’s one more Fed meeting on the calendar this year, with the next one set for Dec. 9-10. CD rates could well dip further if banks anticipate the Fed will enact another cut.</p><p>The strong average CD yields of 2022 and 2023 were a direct result of the Fed’s post-pandemic rate hike campaign. From March 2022 through July 2023, the FOMC hiked interest rates eleven times, taking fed funds from zero to 5.25%-5.50%. The central bank took action as inflation grew at higher rates than at any time since the 1980s.</p><p>Remember, current CD rates aren’t far off their recent highs. Investors have an opportunity to secure attractive rates on both short-term and long-term certificates. By placing a larger lump sum into your CD account, you can earn substantial interest.</p><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul><h2>Historical CD rates</h2><p>In the early 1980s, CD rates surged into double digits, starkly contrasting with today’s lower rates. By 2019, however, the APY for a 5-year CD had slightly exceeded 3.00%.</p><p>Throughout the early 2020s, top rates typically remained below 1.00% APY. In recent years, rates saw a significant increase, with the best offerings surpassing 5.00% APY in 2024. In 2025, however, we’ve seen many rates just under or just above the 4.00% mark.</p><h2>How to get a good CD rate</h2><p>Determining what constitutes a good CD rate involves striking a balance between the highest rate available and your willingness to lock your money up for a specified term.&nbsp;</p><p>For instance, investing a large sum in a five-year CD yielding 5.00% may not be a good choice if you need the money sooner or if you believe interest rates could start rising again. But generally speaking, rates that exceed the national average are considered worthwhile.&nbsp;</p><p>Key factors to consider when comparing CDs include:</p><ul><li><strong>Term length:</strong>Ensure it aligns with your savings goals and timeline.</li><li><strong>APY:</strong>Higher rates typically are offered for longer terms.</li><li><strong>Minimum deposit:</strong>Make sure you can meet the required initial balance.</li><li><strong>Penalties:</strong>Understand the costs associated with withdrawing funds before maturity.</li><li><strong>Deposit insurance:</strong>Verify that the bank is Federal Deposit Insurance Corp. (FDIC)- or National Credit Union Administration (NCUA)-insured for deposit protection.</li></ul><p>Note that online banks typically offer better CD yields—just be mindful of any minimum balance requirements and associated fees. Choosing a bank over a broker can sometimes help avoid unnecessary fees.</p><h3>Look into offerings from online banks</h3><p>Online banks and fintech companies generally offer more competitive rates than big national banks. Large financial institutions primarily earn revenue from interest on loans, fees, and investments in securities.</p><p>In contrast, smaller banks and online fintech companies attract customers with competitive APYs on deposit accounts. Moreover, online banks typically operate with lower overhead costs, allowing them to pass better rates on to their clients.</p>ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered by<h4>Best CD Rates for December 9, 2025</h4>ZIP Code Deposit Amount $Min. Term Length 6 months<ul><li>1 months</li><li>6 months</li><li>1 year</li><li>18 months</li><li>2 years</li><li>3 years</li></ul>Max. Term Length 3 years<ul><li>6 months</li><li>1 year</li><li>18 months</li><li>2 years</li><li>3 years</li><li>4 years</li><li>5 years</li><li>6 years</li></ul>FEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...<ul><li><p><img src="https://cdn.accountdigital.net/FncDjWggzbQFuUDnrhU8-N9tl2qW"></p>4.25 %<p>December 9, 2025</p>2yr$ 1000$ 1063<p>Over 1 Year</p>2 years cd AccountUnited Fidelity BankMember FDIC<p>QUICK LOOK<br></p></li><li><p><img src="https://cdn.accountdigital.net/FqN7h0hFu0Weda1bAp34DiN44tvQ"></p>4.20 %<p>December 2, 2025</p>6mo$ 1000$ 1050<p>Over 1 Year</p>6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILS<p>QUICK LOOK<br>Limelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.</p>READ BANK REVIEW</li><li><p><img src="https://cdn.accountdigital.net/Fg7zumrXFl0AfFAvTgMJ26axNM6E"></p>4.15 %<p>December 2, 2025</p>9mo$ 500$ 1038<p>Over 1 Year</p>9 Mo CD cd AccountM.Y. Safra BankMember FDICOFFER DETAILS<p>QUICK LOOK<br>M.Y. Safra Bank is an FDIC-insured institution with just one branch in New York City and also offers strictly online accounts. It provides a full range of personal and business deposit products as well as loans and lines of credit. Its online-only CDs offer the most attractive rates the bank has to offer, but its savings and money market accounts also offer decent yields.</p>READ BANK REVIEW</li></ul><ul><li>1</li><li>2</li><li>3</li><li>4</li><li>5</li><li>...</li><li>160</li></ul><h3>Set up a CD ladder</h3><p>CD ladders are perfect for savers who are hesitant to commit funds for extended periods of time. By diversifying savings across CDs with different maturity dates, you can benefit from both short-term accessibility and higher long-term interest rates.</p><p>For instance, say you invest $3,000 in three staggered CDs (1-year, 2-year, and 3-year). As each CD matures, you can reinvest the funds into a new 3-year CD. This approach allows annual access to your money along with the accrued interest.</p><p><em>Series on daily CD rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan.</em></p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Earn up to 4.20% APY with the best CD rates available Nov. 26, 2025

<p>The average interest rate for a 30-year, fixed-rate conforming mortgage loan in the U.S. is 6.236%, according to data available from mortgage data company Optimal Blue. That’s less than a full basis point of change from the prior day’s report, and down roughly 2 basis points from a week ago. Read on to compare average rates for a variety of conventional and government-backed mortgage types and see whether rates have increased or decreased.</p><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul><h2><strong>Current mortgage rates data:</strong></h2><h3><strong>30-year conventional</strong></h3><table><tbody><tr><td>Current rate</td><td>6.236%</td></tr><tr><td>One week ago</td><td>6.215%</td></tr><tr><td>One month ago</td><td>6.149%</td></tr></tbody></table><h3><strong><strong>30-year jumbo</strong></strong></h3><table><tbody><tr><td>Current rate</td><td>6.514%</td></tr><tr><td>One week ago</td><td>6.611%</td></tr><tr><td>One month ago</td><td>6.343%</td></tr></tbody></table><h3><strong><strong>30-year FHA</strong></strong></h3><table><tbody><tr><td>Current rate</td><td>6.129%</td></tr><tr><td>One week ago</td><td>6.061%</td></tr><tr><td>One month ago</td><td>6.049%</td></tr></tbody></table><h3><strong><strong>30-year VA</strong></strong></h3><table><tbody><tr><td>Current rate</td><td>5.896%</td></tr><tr><td>One week ago</td><td>5.851%</td></tr><tr><td>One month ago</td><td>5.778%</td></tr></tbody></table><h3><strong><strong>30-year USDA</strong></strong></h3><table><tbody><tr><td>Current rate</td><td>6.008%</td></tr><tr><td>One week ago</td><td>6.048%</td></tr><tr><td>One month ago</td><td>6.081%</td></tr></tbody></table><h3><strong><strong>15-year conventional</strong></strong></h3><table><tbody><tr><td>Current rate</td><td>5.520%</td></tr><tr><td>One week ago</td><td>5.566%</td></tr><tr><td>One month ago</td><td>5.471%</td></tr></tbody></table><p>Note that<em>Fortune</em>reviewed Optimal Blue’s latest available data on Nov. 21, with the numbers reflecting home loans locked in as of Nov. 20.&nbsp;</p><h2>What’s happening with mortgage rates in the market?</h2><p>If it feels like 30-year mortgage rates have been stuck near 7% forever, that’s not far from the truth. Many observers were hoping that rates would soften when the Federal Reserve started cutting the federal funds rate in September 2024, but that didn’t happen. There was a brief dip preceding that meeting, but rates shot back up afterward.</p><p>In fact, by January 2025 the average rate on a 30-year, fixed-rate mortgage topped 7% for the first time since last May, according to Freddie Mac data. That’s a far cry from the historic average low of 2.65% we saw in January 2021, when the government was still trying to stimulate the economy and stave off a pandemic-induced recession.&nbsp;</p><p>Barring another massive catastrophe, experts agree we won’t see rates in the 2% to 3% range in our lifetimes. And right now, with President Donald Trump pursuing policies such as tariffs and deportations, some observers have feared the labor market could tighten and inflation could reignite. Against that backdrop, U.S. homebuyers have been stuck with high mortgage rates—though some found ways to make their purchase more affordable, such as negotiating rate buydowns with a builder when purchasing newly constructed housing.</p><p>But, homebuyers (and homeowners considering refinancing) finally got some relief starting in late August and early September of 2025. Leading up to the Fed’s Sept. 16-17 meeting, mortgage rates started trending noticeably downward in anticipation that the central bank would reduce the federal funds rate.</p><p>The Fed did indeed deliver the expected cut, reducing its benchmark rate by a quarter percentage point—the first cut of 2025. Then, it made a second cut of the same amount at the end of October.</p><p>With another meeting set for December, the potential remains for at least one more reduction in the federal funds rate during 2025.</p><h2>How to get the best mortgage rate possible</h2><p>While economic conditions are out of your control, your financial profile as an applicant has a major impact on the mortgage rate you get. With that in mind, strive to do the following:</p><ul><li><strong>Ensure your credit is in excellent shape.</strong>The minimum credit score to get a conventional mortgage is generally 620 (for FHA loans, you may be able to qualify with a score of 580 or a score as low as 500 and a 10% down payment). But, if you’re hoping to get a low rate that could potentially save you five or even six figures in interest over the life of your loan, you’ll want a score quite a bit higher. For example, lender Blue Water Mortgage notes that a score of 740 or higher is considered top tier.&nbsp;</li><li><strong>Keep your debt-to-income (DTI) ratio low.</strong>You can calculate your DTI by dividing your monthly debt payments by your gross monthly income, then multiplying by 100. For example, someone with a $3,000 monthly income and $750 in monthly debt payments has a 25% DTI. It’s typically best when applying for a mortgage to have a DTI of 36% or below, though you may get approved with a DTI as high as 43%.</li><li><strong>Get prequalified with multiple lenders.</strong>You may wish to try a mix of large banks, local credit unions, and online lenders and compare offers. Plus, getting connected with loan officers at several different institutions can help you evaluate what you’re looking for in a lender and which one will be best able to meet your needs. Just make sure when you’re comparing rates that you’re doing it in a way that’s apples to apples—if one estimate relies on you purchasing mortgage discount points and another does not, it’s important to realize there’s an upfront cost for buying down your rate with points.</li></ul><h2>Mortgage interest rates historical chart</h2><p>Rates feel high because practically everyone recalls the ultra-low rates that prevailed over the last 15 years or so. A unique set of historical circumstances drove that market: The long period when the Fed held its key rate at zero to recover from the Great Recession, followed by the unprecedented policies put in place as the country battled the global Covid-19 pandemic.</p><p>Now that more normal economic conditions prevail, experts agree we’re unlikely to see such dramatically low interest rates again. Taking the long view, rates around 7% are not abnormally high.&nbsp;</p><p>Consider this St. Louis Fed chart tracking Freddie Mac data on the 30-year, fixed-rate mortgage average. In the 1990s, 7% rates were more or less the norm. Compared to rates in the 1970s and 80s, 7% rates look like a deal. In fact, September, October, and November of 1981 all saw mortgage interest rates above 18%.</p><p><img src="https://cdn.accountdigital.net/Fk_qojIw8TZQPXwhI7EI_0B_MGol"></p><p>Historical context is scant comfort for homeowners who want to move but feel locked in with a once-in-a-lifetime low interest rate. Such situations are common enough in the current market that low pandemic-era rates keeping homeowners put when they’d otherwise move have become known as the “golden handcuffs.”</p><h2>Factors that impact mortgage interest rates</h2><p>The current state of the U.S. economy is the biggest factor impacting mortgage interest rates. If lenders fear inflation, they raise mortgage rates to protect their long-term profits.&nbsp;</p><p>Another big-picture factor is the national debt. When the federal government runs large deficits and has to borrow to make up the difference, that can put upward pressure on interest rates.</p><p>Demand for home loans plays a key role. If demand for loans is low, lenders may lower rates to attract more borrowers. On the other hand, high demand means lenders might decide to raise rates as a way of covering costs for handling a higher volume of loans.</p><p>And of course, we must consider the Federal Reserve’s actions. The Fed can influence interest rates on financial products such as mortgages both through deciding to hike or cut the federal funds rate and through what actions it decides to take regarding its balance sheet.</p><p>The federal funds rate gets significant media attention, as increases or decreases to this benchmark rate (which is the rate banks charge each other for borrowing money overnight) often coincide with increases or decreases to the interest rates for home loans and other forms of credit. That said, the Fed does not set rates for mortgages or other credit products directly, and such interest rates do not always track perfectly with the fed funds rate.</p><p>Another way the Fed influences mortgage rates is via its balance sheet. In times of economic distress, the central bank buys financial assets and holds them on their balance sheet, injecting liquidity into the economy. Mortgage-backed securities (MBS) are a key type of asset for the Fed in such situations.&nbsp;</p><p>However, the Fed has been slimming down its balance sheet, allowing assets to mature without buying new ones to replace those that have aged off it. That puts an upward pressure on mortgage interest rates. In other words, even though a lot of attention is focused on when the central bank decides to cut or hike the federal funds rate, what the Fed does with its balance sheet may be even more important for those hoping to snag a lower mortgage rate.&nbsp;</p><h2>Why it’s important to compare mortgage rates</h2><p>Comparing rates on different types of loans and shopping around with different lenders are both important steps in getting the best mortgage for your situation.</p><p>If your credit is in stellar shape, opting for a conventional mortgage might be the best choice for you. But, if your score is sub-600, an FHA loan may give you a chance a conventional loan would not.</p><p>When it comes to shopping around with different banks, credit unions, and online lenders, it can make a tangible difference in how much you pay. Freddie Mac research shows that in a market with high interest rates, homebuyers may be able to save $600 to $1,200 annually if they apply with multiple mortgage lenders.</p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Current mortgage rates report for Nov. 24, 2025: Rates appear to be in holding pattern

<p>Gold was trading at $4,224 per ounce at 9:20 a.m. Eastern Time on December 2, 2025. This is a $25 fall from yesterday at the same hour and $1,581 higher than a year ago.</p><table><thead><tr><th>Gold price per ounce</th><th>% Change</th></tr></thead><tbody><tr><th>Price of gold yesterday</th><td>$4,249</td><td>+0.59%</td></tr><tr><th>Price of gold 1 month ago</th><td>$3,889</td><td>-7.93%</td></tr><tr><th>Price of gold 1 year ago</th><td>$2,643</td><td>-37.43%</td></tr></tbody></table><table><tbody><tr><th>Price of gold yesterday</th></tr><tr><th>Gold price per ounce</th><td>$4,249</td></tr><tr><th>% Change</th><td>+0.59%</td></tr><tr><th>Price of gold 1 month ago</th></tr><tr><th>Gold price per ounce</th><td>$3,889</td></tr><tr><th>% Change</th><td>-7.93%</td></tr><tr><th>Price of gold 1 year ago</th></tr><tr><th>Gold price per ounce</th><td>$2,643</td></tr><tr><th>% Change</th><td>-37.43%</td></tr></tbody></table><p>For investors wanting an asset less affected by inflation, gold may be a wise choice. Historically, Gold is an asset that appreciates over time. Rather than collecting the actual physical gold manifestations, many people use a gold IRA, which also offers the convenience of not having to store physical gold, which can come with its own cost. Regardless of how you purchase gold, it can help serve as a steady part of a portfolio during market volatility.</p><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul><h2><strong>Historical gold price chart</strong></h2><p>Gold isn’t a guaranteed answer in every financial environment. In a strong economy, stocks can deliver better returns both in the short and long term. From 1971 to 2024, traditional stocks averaged 10.7% annual returns, while gold averaged 7.9%.</p><p>Still, gold is a reliable, risk-averse asset during economic uncertainty. That’s why some investors see it more as a store of value instead of a typical investment like stocks or bonds.</p><h2><strong>What does “spot gold” mean?</strong></h2><p>The spot price is the current rate for buying or selling gold immediately in over-the-counter trades. This helps investors track gold demand and market trends. A higher spot price means stronger demand. Unlike futures, the spot price is for immediate settlement.</p><p>When the price for future delivery is above the spot price, it’s called contango, which is common for commodities with storage costs. If the futures price is lower, it’s called backwardation.</p><p>Many factors can cause the spot price to fluctuate. Investors should be prepared for this volatility.</p><h2><strong>What is price spread in gold trading</strong>?</h2><p>The price spread is the gap between the buying and selling price of an asset.</p><p>In gold trading, the ask price is the cost to buy, and the bid price is what you’d get for selling. The bid is always less than the ask.</p><p>A smaller spread means a more liquid market. Tight spreads typically indicate higher gold demand.</p><h2><strong>How to invest in gold</strong></h2><p>If you picture gold investing as a suitcase filled with gold bars, that’s only part of the story. While buying physical bars, coins, or jewelry is an option, most gold trading happens via exchange-traded funds (ETFs).</p><p>James Taska, a fee-based financial advisor, says, “There is a great debate as to whether paper gold is as useful as the physical. From a financial advisor’s viewpoint, it is much easier to rebalance a client’s allocation of gold if it is owned as an exchange-traded fund (ETF), and the spread when attempting to buy/sell gold can be quite variable and wide.”</p><p>Popular ways to invest in gold include:</p><ul><li><strong>Gold bars and rounds:</strong>Also known as bullion, sold by weight, with purity and manufacturer details marked.</li><li><strong>Gold coins:</strong>Collectible coins like the American Gold Eagle, often priced higher than bars due to rarity.</li><li><strong>Gold jewelry:</strong>Priced above gold content for design and craftsmanship.</li><li><strong>Gold futures contracts:</strong>Agreements to buy gold at a future date, allowing speculation without handling the metal.</li><li><strong>Gold funds:</strong>Mutual funds or ETFs invested in gold, with values tied to the underlying assets.</li></ul><h2><strong>Is it a good time to invest in gold?</strong></h2><p>Deciding if now is the right time to invest in gold is subjective. However, gold can help diversify your portfolio and reduce market risk.</p><p>Gold remains a stable asset amid market volatility. Prices have reached record highs, up more than 25% since early 2025, driven by inflation and uncertainty. Many experts recommend adding gold for diversification.</p><h2><strong>Current precious metals prices</strong>as of 9:20 a.m. ET on December 2, 2025</h2><table><thead><tr><th>Precious Metal</th><th>Price per ounce</th></tr></thead><tbody><tr><th>Gold</th><td>$4,224</td></tr><tr><th>Silver</th><td>$58</td></tr><tr><th>Platinum</th><td>$1,642</td></tr><tr><th>Palladium</th><td>$1,443</td></tr></tbody></table><table><tbody><tr><th>Gold</th></tr><tr><th>Price per ounce</th><td>$4,224</td></tr><tr><th>Silver</th></tr><tr><th>Price per ounce</th><td>$58</td></tr><tr><th>Platinum</th></tr><tr><th>Price per ounce</th><td>$1,642</td></tr><tr><th>Palladium</th></tr><tr><th>Price per ounce</th><td>$1,443</td></tr></tbody></table><p>Silver, platinum, and palladium are also common portfolio additions. Gold is typically less volatile than silver, which can see major price swings within a day. Silver’s use in industry makes it more responsive to economic trends.</p><p>Platinum and palladium behave similarly to silver. These rare metals can diversify a portfolio but are usually more volatile than gold.</p>#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; 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font-weight: 600; } }<h2><strong>The takeaway</strong></h2><p>The U.S. economy has been unsettled for years, with persistent inflation making an impact. Gold can serve as an inflation hedge in your portfolio. With multiple ways to buy, gold is accessible to most investors. Whether through a gold IRA or a more active investment approach, gold can help achieve both short- and long-term goals.</p><h2><strong>Frequently asked questions</strong></h2><h3>What is the best way to own gold?</h3><p>Many investors choose gold ETFs, which provide a managed, easily traded basket of assets.</p><h3>Is gold a good investment?</h3><p>Gold is a popular choice for those seeking diversification and inflation protection. There are many straightforward ways to invest.</p><h3>Should I buy gold coins or gold bars?</h3><p>Gold coins are collectibles and may be valued higher per ounce than bars. Their collectible and historical value can appeal to some investors. U.S. minted coins can also help guard against counterfeit bars.</p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Current price of gold as of December 2, 2025

<p>The current average refinance rate on a 30-year, fixed-rate home loan is 6.33%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.</p><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul><h2>Current refi rates data</h2><h3>Conventional mortgages</h3><table><tbody><tr><td>30-year</td><td>6.33%</td></tr><tr><td>20-year</td><td>6.20%</td></tr><tr><td>15-year</td><td>5.56%</td></tr><tr><td>10-year</td><td>5.42%</td></tr></tbody></table><h3>Jumbo mortgages</h3><table><tbody><tr><td>30-year</td><td>6.72%</td></tr><tr><td>15-year</td><td>5.89%</td></tr></tbody></table><h3>FHA loans</h3><table><tbody><tr><td>30-year</td><td>7.25%</td></tr><tr><td>15-year</td><td>5.25%</td></tr></tbody></table><h3>VA loans</h3><table><tbody><tr><td>30-year</td><td>5.86%</td></tr><tr><td>15-year</td><td>5.52%</td></tr></tbody></table><p>Note that<em>Fortune</em>reviewed the most recent Zillow data available as of Nov. 21.</p><h2>How mortgage refinancing works</h2><p>A mortgage refinance essentially pays off your existing home loan with a new one. Just like when you applied for a mortgage the first time around, you’ll need to apply and meet lender criteria regarding your credit profile, proof of income, your debt-to-income (DTI) ratio, and more.&nbsp;</p><p>Note that this means your credit score will likely take a small hit due to the hard inquiry. And it also means if you don’t meet the lender’s requirements, you can be denied for a refi loan.</p><h2>What’s happening with mortgage rates in the market?</h2><p>Some observers hoped mortgage interest rates would fall in tandem cuts made by the Federal Reserve to the federal funds rate late last year. But, that didn’t happen, and mortgage rates remained stubbornly near the 7% mark—looking at the nationwide average for 30-year, fixed-rate loans—for months.</p><p>Rates have remained well above the pandemic-era lows, when some homeowners snagged loans with rates in the 2% and 3% range. Many remain locked in, unwilling to move or refinance in the current environment. A report from Redfin showed that as of the third quarter of 2024, 82.8% of homeowners with a mortgage had a rate below 6%.</p><p>Still, homeowners finally started getting some relief in late August and early September of 2025, when mortgage rates started trending noticeably downward ahead of the Fed’s Sept. 16-17 meeting—at which the central bank delivered the year’s first rate cut. The Fed followed up with a second cut to the federal funds rate at the end of October, as well.</p><h2>When it might make sense to refinance your mortgage</h2><p>As we’ll cover more in the next section, it’s not free to refi your home loan. So, when does it make sense to accept the upfront costs and refinance? One common guideline is that if you can get a new rate that’s a full percentage point lower than your current rate, it’s worth refinancing. Using recent market conditions as an example, someone who took out a home loan at 7% might find it worth their while to refinance if rates drop and they can get a new loan with a 6% rate.</p><p>It may also be worth refinancing to tap your home equity through a cash-out refi. Note that you’ll typically need to have at least 20% equity in your home for this. So, if you purchased the place with the 5% minimum down payment—or 3% for first-time homebuyers—typically available on conventional loans, it could take a while before you’re eligible for a cash-out refi.</p><p>Yet another situation where you might benefit from refinancing is to change your loan term. For example, maybe you took out a 15-year mortgage intending to save on interest charges in the long run in exchange for higher monthly payments. But life is unpredictable, and maybe you’ve decided the monthly payments are spreading your budget too thin. Refinancing to a 30-year loan may offer the flexibility to make smaller monthly payments that fit your budget better.</p><p>There are also cases where it can make sense to switch loan types. If you have an FHA loan with a lifetime requirement to pay mortgage insurance, for instance, refinancing so you can change your mortgage to a conventional loan could provide an opportunity to ditch that insurance cost (called MIP on an FHA loan or PMI on a conventional).&nbsp;</p><p>Or, if you initially took out an adjustable-rate mortgage (ARM) and you’ve realized you intend to keep the loan for a significant number of years, refinancing to switch to a fixed-rate mortgage might be a smart way to avoid rate hikes when your ARM’s adjustment period kicks in.</p><h2>Costs to refinance your mortgage</h2><p>Much like a traditional home loan taken out to purchase a property, refinancing a mortgage involves closing costs that run about 2% to 6% of the loan amount. For instance, if you do a rate-and-term refi on a $300,000 loan, you might&nbsp; pay anywhere from $6,000 to $18,000 in refi closing costs. Here are some of the costs you might see on your refinance loan estimate:</p><ul><li>Lender origination fees.</li><li>Appraisal fees.</li><li>Title search and insurance fees.</li><li>Loan application fees.</li><li>Survey fees.</li><li>Attorney fees (if required in your state).</li><li>Recording fees.</li><li>Prepayment penalties (if your current loan servicer charges one).</li></ul><h2>Different types of mortgage refi loans</h2><p>There are a wide variety of mortgage refinance loans on the market, and the right one for your needs will depend on what you’re aiming to accomplish and what type of mortgage you currently have. Here are some common refi options:</p><ul><li><strong>Rate-and-term refinance:</strong>This is the most popular refi option that allows you to lower your interest rate and/or shorten your loan term. While shortening your loan term does typically earn you a lower rate and hefty lifetime interest savings, you’ll be locked into higher monthly mortgage payments.</li><li><strong>Cash-out refinance:</strong>With a cash-out refi, you can tap your home’s equity by replacing your existing loan balance with a new, larger one and withdraw the difference in cash. You can use the money for home improvements, consolidating high-interest debt or other financial goals.</li><li><strong>No-closing-cost refinance:</strong>With this option, your lender covers your closing costs in exchange for charging you a higher interest rate. If you don’t have cash upfront for closing costs and could otherwise benefit from a refinance, this option may be worth looking into.</li><li><strong>Streamline refinance:</strong>Available to existing FHA, VA and USDA loan borrowers, these refi options involve less documentation and a more straightforward application and approval process.</li></ul><h2>Refinancing with your existing lender vs. a new one</h2><p>There’s no requirement that you refinance with the same lender you got your original mortgage from. Thus, it’s worth shopping around for the lowest rate and best service you can find.&nbsp;</p><p>However, some lenders may offer incentives if you stick with them, such as waiving a portion of the closing costs. Since these charges can be an expensive upfront cost, it’s worth checking with your existing lender about incentives—as that might reduce the barrier to refinancing and allow you to refi more easily than you’d otherwise be able to.&nbsp;</p><p>Finally, know that if your mortgage was purchased by Fannie Mae or Freddie Mac, you might be eligible for programs such as Refi Now and Refi Possible.</p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Current refi mortgage rates report for Nov. 24, 2025

Ally Bank review 2025: Refreshingly few fees for a full-service bank

<p>As of 10:15 a.m. Eastern Time on Nov. 26, 2025, silver traded at $52.28 per ounce. That’s up about 87 cents from yesterday morning—and represents a gain of about $22.18 over the past 12 months.</p><table><thead><tr><th>Silver price per ounce</th><th>% Change</th></tr></thead><tbody><tr><th>Price of silver yesterday</th><td>$51.41</td><td>+1.69%</td></tr><tr><th>Price of silver 1 month ago</th><td>$48.59</td><td>+7.59%</td></tr><tr><th>Price of silver 1 year ago</th><td>$30.10</td><td>+73.69%</td></tr></tbody></table><table><tbody><tr><th>Price of silver yesterday</th></tr><tr><th>Silver price per ounce</th><td>$51.41</td></tr><tr><th>% Change</th><td>+1.69%</td></tr><tr><th>Price of silver 1 month ago</th></tr><tr><th>Silver price per ounce</th><td>$48.59</td></tr><tr><th>% Change</th><td>+7.59%</td></tr><tr><th>Price of silver 1 year ago</th></tr><tr><th>Silver price per ounce</th><td>$30.10</td></tr><tr><th>% Change</th><td>+73.69%</td></tr></tbody></table><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul><h2>Historical silver performance&nbsp;</h2><p>Silver is not typically a high-growth play. Historically, it trails other investment options, like stocks. From 1921 onward, silver has underperformed the S&amp;P 500 by about 96%. That means an equal sum invested in silver and stocks back then would now be worth 96% less in silver holdings than stocks.&nbsp;</p><p>Instead, silver is prized for its stability and its power to hedge against inflation. Often dubbed a “store of value,” it tends to sustain purchasing power when inflation climbs.&nbsp;</p><p>Compared with gold, silver prices generally swing more sharply due to industrial demand—solar equipment, healthcare devices, and more—whereas gold is almost purely a safe-haven asset.</p><h2>What does “spot silver” mean?&nbsp;</h2><p>“Spot silver” refers to the live market rate at which silver can be bought or sold instantly. That said, real-world buyers usually pay a premium over spot for markups, shipping, insurance, and other fees.&nbsp;</p><p>The spot price serves as a gauge of immediate market demand: a higher spot price means stronger buying interest.&nbsp;</p><h2>What is “price spread” in silver trading?&nbsp;</h2><p>The term “price spread” describes the difference between the buying (ask) and selling (bid) prices for silver. Here’s how those terms are defined.&nbsp;</p><ul><li><strong>Ask price:</strong>the cost to purchase silver.&nbsp;</li><li><strong>Bid price:</strong>the amount you receive when you sell silver.&nbsp;</li></ul><p>A narrower spread indicates high demand.&nbsp;</p><h2>How to invest in silver&nbsp;</h2><p>Silver exposure can be achieved through physical ownership or via silver-backed exchange-traded funds (ETFs). ETFs let you own a stake in a fund that holds silver, sparing you storage and insurance responsibilities.&nbsp;</p><p>Key silver investment options include:&nbsp;</p><ul><li><strong>Bullion bars and rounds.</strong>These are sold by weight and purity&nbsp;</li><li><strong>Government-minted silver coins.</strong>Iconic examples include American Silver Eagles and Canada’s Silver Maple Leafs, which often trade at premiums for their rarity and backing.&nbsp;</li><li><strong>Silver jewelry.</strong>Custom pieces that fetch prices above equal-purity bullion.&nbsp;</li><li><strong>Silver mining equities.</strong>Stocks in companies extracting silver, offering a sort of indirect investment in silver.&nbsp;</li></ul><p>On exchanges, bullion and coins must meet a minimum 99.9% purity. Lower-purity silver generally falls into collectible or industrial categories. Our guide to the best silver IRA companies provide more information on how to shrewdly invest in silver (and other precious metals).</p>#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; 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font-weight: 600; } }<h2>Is it a good time to invest in silver?&nbsp;</h2><p>Silver has surged nearly 25% in 2025, hitting its highest levels in over a decade.&nbsp;</p><p>Deciding whether to invest now depends on your unique attitude toward the market. If inflation is top of mind, adding precious metals can be prudent. Or, if you foresee rising industrial applications—such as electronics—demand could potentially push prices even higher.&nbsp;</p><h2>Current precious metals prices as of 10:15 a.m. ET on Nov. 26, 2025</h2><table><thead><tr><th>Precious metal&nbsp;</th><th>Price per ounce</th></tr></thead><tbody><tr><th>Gold</th><td>$4,152.52</td></tr><tr><th>Silver</th><td>$52.28</td></tr><tr><th>Platinum</th><td>$1,561.20</td></tr><tr><th>Palladium</th><td>$1,415.24</td></tr></tbody></table><table><tbody><tr><th>Gold</th></tr><tr><th>Price per ounce</th><td>$4,152.52</td></tr><tr><th>Silver</th></tr><tr><th>Price per ounce</th><td>$52.28</td></tr><tr><th>Platinum</th></tr><tr><th>Price per ounce</th><td>$1,561.20</td></tr><tr><th>Palladium</th></tr><tr><th>Price per ounce</th><td>$1,415.24</td></tr></tbody></table><p>Gold remains the benchmark metal, while platinum and palladium exhibit volatility patterns similar to silver due to smaller market caps. Gold’s larger market makes it comparatively stable.</p><h3>Pro tip</h3><p>Looking for gold over silver? Explore our picks for the best gold IRA companies. &nbsp;</p><h2>The takeaway&nbsp;</h2><p>With economic volatility persistent in the current market, precious metals deserve at least a quick look. Silver’s 2025 performance has outshined gold’s, and many experts forecast the likelihood of seeing further upside, potentially pushing silver to record levels.&nbsp;</p><p>Silver’s lower entry cost compared with gold also makes it an accessible hedge. Whether through physical bullion, ETFs, or mining stocks, you can position yourself to benefit from anticipated silver demand.</p><h2>Frequently asked questions</h2><h3>What percentage of my portfolio should I allocate to silver?</h3><p>Many advisors suggest allocating no more than between 10% and 15% to silver, keeping total precious metal holdings under 20%.</p><h3>Can silver be held in an IRA?</h3><p>Yes—IRA-eligible silver coins and bars (99.9% pure) stored with an IRS-approved custodian qualify. Coins with lower silver content, such as pre-1965 U.S. coins that often have around 90% purity and are known as constitutional silver, aren’t permitted. But of course, silver coins and jewelry that doesn’t hit the 99.9% purity level can&nbsp;still be collected or worn outside of retirement accounts.</p><h3>What’s driving silver prices in 2025?&nbsp;</h3><p>Silver’s ascent this year reflects tight supplies and robust demand from both industrial users and investors.</p><p><img src="https://cdn.accountdigital.net/FpCFYYu-YM78BWqU8i-todrvCfKS"></p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Current price of silver as of Wednesday, November 26, 2025

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<p>While the bulk of homebuyers choose fixed-rate mortgages, there are cases where you might want to look closely at an adjustable-rate mortgage instead. For example, ARMs can be a smart option for folks buying a property to rent out or flip, or intending to move within a few years—meaning you’d move before the ARM’s introductory fixed-rate period ends and adjustments begin.</p><p>Read on and we’ll explain how an ARM works, when you might want to consider an ARM over a fixed-rate loan, and look at current ARM rates from a few top lenders.</p><p>You can see the previous business day’s ARM rates report here.</p><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul><h2>Average ARM mortgage rates</h2><p>Fortune reviewed the most recent data available as of Nov. 21. These are sample rates provided by the institutions. Each one is based off specific assumptions about a hypothetical borrower’s credit profile and location. Estimates may include an assumption of mortgage discount points. If you choose to apply, know that the rate you receive may vary from the sample rates shown here.</p><table><thead><tr><th>Bank of America 7/6 ARM</th><th>U.S. Bank 7/6 ARM</th><th>Zillow Home Loans 7/6 ARM</th></tr></thead><tbody><tr><th><strong>Interest Rate</strong></th><td>5.500%</td><td>5.875%</td><td>6.000%</td></tr><tr><th><strong>APR</strong></th><td>6.391%</td><td>6.524%</td><td>6.607%</td></tr></tbody></table><table><tbody><tr><th><strong>Interest Rate</strong></th></tr><tr><th>Bank of America 7/6 ARM</th><td>5.500%</td></tr><tr><th>U.S. Bank 7/6 ARM</th><td>5.875%</td></tr><tr><th>Zillow Home Loans 7/6 ARM</th><td>6.000%</td></tr><tr><th><strong>APR</strong></th></tr><tr><th>Bank of America 7/6 ARM</th><td>6.391%</td></tr><tr><th>U.S. Bank 7/6 ARM</th><td>6.524%</td></tr><tr><th>Zillow Home Loans 7/6 ARM</th><td>6.607%</td></tr></tbody></table><p>A 7/6 ARM is one with a fixed rate for seven years, then adjustment periods every six months.</p><h2>Fixed-rate vs. adjustable-rate mortgages</h2><p>About 92% of households with mortgages have fixed-rate home loans. Unlike ARMs, where the interest rate can fluctuate after an initial fixed-rate period, your rate is the same for the life of the loan when you have a fixed-rate mortgage. It’s easy to see why that’s a popular option.</p><p>However, ARMs can make sense in certain situations. In other words, you might find you’re among the roughly 8% of mortgage holders who decide this type of loan offers an opportunity.&nbsp;</p><h3>When you might consider an adjustable-rate mortgage</h3><p>Here are three categories of homebuyer for whom ARMs can be helpful:</p><ul><li><strong>Buyers of temporary or “starter homes.”</strong>If you’re fairly confident you won’t be in your home for long, an ARM might be a strategic choice since you can take advantage of the low fixed-period interest rate and then sell the home before the adjustment period hits.&nbsp;</li><li><strong>Investors.</strong>Many real estate investors like ARMs for a similar reason. They may secure a low interest rate upfront, and as the adjustment period approaches in three, five, or seven years, can adjust the rent to reflect the new mortgage payment or flip the property and buy the next one.&nbsp;</li><li><strong>Buyers during periods of high interest rates.</strong>Finally, many buyers go out on a limb with an adjustable-rate mortgage during periods of high interest since it’s more likely to offer a lower rate upfront andon the back end, assuming things cool off by the time your fixed period expires.&nbsp;&nbsp;</li></ul><h3>Pro tip</h3><p>Saving up for a down payment? Make sure you have a high-yield savings account.</p><h2>How adjustable-rate mortgages work</h2><p>ARMs typically start off with a low, fixed interest rate for a set period of time—such as three, five, seven or 10 years—and after the “fixed period” expires, the “adjustment period” begins.&nbsp;</p><p>Here’s where things get interesting. During the adjustment period, the interest rate on your ARM can fluctuate based on several key factors, including:&nbsp;</p><ul><li><strong>Benchmark rates.</strong>ARMs commonly get their base interest rate from a benchmark called the Secured Overnight Financing Rate (SOFR). The U.S. Treasury publishes a new SOFR each morning as a way to tell banks and lenders “hey, here’s the cost of borrowing cash today.” That, in turn, helps lenders set market-appropriate interest rates for various products from auto loans to mortgages.&nbsp;</li><li><strong>Margins.</strong>The margin is a fixed percentage that your lender adds to the index to come up with your ARM interest rate. So if you have an ARM tied to the SOFR and the SOFR is 5% while your margin is 2%, your ARM rate will be 7%. Margins typically range between 2% and 3.5% and can vary based on the lender, loan and your creditworthiness. Margins are also set in stone as part of the loan agreement, so it’s best to shop around to see which lenders can offer more competitive margins.&nbsp;</li><li><strong>Rate caps.</strong>Finally, rate caps put a limit on how much your rate can rise throughout the course of the loan. “Initial” adjustment caps control how much the rate can rise the first time, “subsequent” adjustment caps dictate how it can rise after the initial cap, and “lifetime” adjustment caps put a limit on how much your interest rate can increase in total.&nbsp;</li></ul><p>The most common ARM length may be the 5/1, meaning the loan has a fixed interest rate for five years, and once that expires, the interest rate will start changing every one year for 25 years (most ARMs have 30-year terms).&nbsp;</p><p>Another common ARM length is the 10/6, meaning you’ll have a 10-year fixed period and a 20-year adjustment period during which the interest rate will change every six months. You may also see 3/1 ARMs, 7/1 ARMs and 10/1 ARMs.&nbsp;</p><p><strong>Learn more:</strong>Why the Secured Overnight Financing Rate might matter for your mortgage.</p><h2>Refinancing from an ARM to a fixed-rate mortgage</h2><p>Sometimes, even if it was advantageous to buy your property using an ARM, you eventually realize a fixed-rate mortgage would be preferable looking ahead. For instance, maybe you’ve decided your first home is going to be a long-term home after all. You’re not alone if that’s the situation—research from 2024 found that a substantial number of Millennial and Gen Z homeowners can’t afford to upgrade and are making do with their starter homes.</p><p>Regardless of the specific reason, know that it is possible to refi from an ARM to a fixed-rate mortgage. In fact, it’s probably a fairly common reason for ARM holders to refinance.&nbsp;&nbsp;</p><p>Refinancing from an ARM to a fixed-rate mortgage isn’t rocket science, and works pretty much like refinancing from fixed-to-fixed. You’ll apply with multiple lenders to find the best rates, provide the necessary documentation, close on your new loan and pay your old loan in full.</p><h2>Pros and cons of adjustable-rate mortgages</h2><p>Like any other mortgage type, ARMs come with a mix of pros and cons. While your lender can ultimately decide which mortgage type is right for you, knowing the basics can help you budget and navigate the early steps of the process:&nbsp;</p><p>N/A</p><h3>Pros</h3><ul><li><strong>Possibility for a lower interest rate upfront.</strong>Lenders typically offer lower interest rates for ARMs than fixed-rate mortgages during the initial (aka fixed) period.&nbsp;</li><li><strong>Lower borrower requirements.</strong>Because monthly payments start out lower, many lenders may ease requirements for ARM borrowers compared to fixed-rate borrowers (e.g. potentially accepting borrowers with 50% DTI).&nbsp;</li><li><strong>Monthly payments may decrease.</strong>If interest rates drop between now and when your fixed period ends, you may find yourself paying an even lower monthly payment.&nbsp;</li></ul><h3>Cons</h3><ul><li><strong>But, monthly payments may go up.</strong>Once your fixed rate expires, your interest rate can rise as high as the lifetime cap allows (often up to 5 percentage points higher than your starting rate). To illustrate, if the interest rate on a $400,000 principal rose from 7% to 12% overnight, the monthly payment would rise from something like $2,661 to around $4,114—a leap of $1,453, or 54.6% to put it another way.</li><li><strong>Difficult to rate shop.</strong>When discount points are removed from the equation, fixed-rate mortgage offers from Lenders No. 1 and No. 2 will be relatively easy to compare apples to apples. ARMs, however, have numerous moving parts and it can be difficult to find the right deal upfront.&nbsp;</li><li><strong>Less peace of mind.</strong>Even as the cost of taxes and insurance rises, fixed-rate borrowers have the peace of mind knowing that their fundamental mortgage payment will never change. ARM borrowers may enjoy lower rates upfront and possibly lower rates long term, but they won’t enjoy that long-term sense of stability.</li></ul><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

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<p>If you’re planning to buy a home and the idea of a mortgage with an interest that fluctuates doesn’t scare you, you might be the target customer base for adjustable-rate mortgages. While fixed-rate mortgages are by far more popular, ARMs can be a smart financing option for folks who intend to rent out or flip the property they’re buying, or who know they’ll move before the ARM’s fixed-rate period ends and adjustment periods begin.</p><p>Keep reading and we’ll explain what’s involved with an ARM, evaluate when you might want to consider an ARM instead of a fixed-rate mortgage, and look at ARM rates from a few top lenders.</p><p>You can see the previous business day’s ARM rates report here.</p><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul><h2>Average ARM mortgage rates</h2><p>Fortune reviewed the most recent data available as of Dec. 1. These are sample rates provided by the institutions. Each one is based off specific assumptions about a hypothetical borrower’s credit profile and location. Estimates may include an assumption of mortgage discount points. If you choose to apply, know that the rate you receive may vary from the sample rates shown here.</p><table><thead><tr><th>Bank of America 7/6 ARM</th><th>U.S. Bank 7/6 ARM</th><th>Zillow Home Loans 7/6 ARM</th></tr></thead><tbody><tr><th><strong>Interest Rate</strong></th><td>5.625%</td><td>5.875%</td><td>6.000%</td></tr><tr><th><strong>APR</strong></th><td>6.477%</td><td>6.462%</td><td>6.553%</td></tr></tbody></table><table><tbody><tr><th><strong>Interest Rate</strong></th></tr><tr><th>Bank of America 7/6 ARM</th><td>5.625%</td></tr><tr><th>U.S. Bank 7/6 ARM</th><td>5.875%</td></tr><tr><th>Zillow Home Loans 7/6 ARM</th><td>6.000%</td></tr><tr><th><strong>APR</strong></th></tr><tr><th>Bank of America 7/6 ARM</th><td>6.477%</td></tr><tr><th>U.S. Bank 7/6 ARM</th><td>6.462%</td></tr><tr><th>Zillow Home Loans 7/6 ARM</th><td>6.553%</td></tr></tbody></table><p>A 7/6 ARM is one with a fixed rate for seven years, then adjustment periods every six months.</p><h2>Fixed-rate vs. adjustable-rate mortgages</h2><p>Approximately 92% of households with mortgages opt for fixed-rate home loans. Unlike adjustable-rate mortgages (ARMs), which feature interest rates that may change after an initial fixed period, fixed-rate mortgages maintain the same interest rate throughout the loan’s term. It’s no surprise that this stability makes them a popular choice.</p><p>Still, ARMs can be advantageous in certain scenarios. In fact, you might find yourself among the 8% of mortgage holders who see this type of loan as an opportunity.</p><h3>When you might consider an adjustable-rate mortgage</h3><p>Here are three groups of homebuyers who might benefit from considering an ARM:</p><ul><li><strong>Short-term/starter home buyers:</strong>If you’re confident you won’t stay in your home long-term, an ARM can be a strategic choice. You can likely enjoy the lower fixed-period rate and sell the property before the adjustment phase begins.</li><li><strong>Real estate investors:</strong>ARMs appeal to investors for similar reasons as in the point above. These buyers may secure a low initial rate, then sell the property before the adjustment period starts or adjust the monthly rent amount if the rate increases.</li><li><strong>Buyers during high-interest-rate periods:</strong>Buyers may turn to ARMs when rates are high, as these loans can sometimes offer lower initial rates and potentially even reduced rates later if economic conditions improve.</li></ul><h3>Pro tip</h3><p>Saving up for a down payment? Make sure you have a high-yield savings account.</p><h2>How adjustable-rate mortgages work</h2><p>ARMs begin with a fixed interest rate for a set duration—commonly three, five, seven, or 10 years—before transitioning into an adjustment period. During the adjustment phase, several factors influence rate changes. These include:</p><ul><li><strong>Benchmark rates:</strong>Many ARMs base their rates on benchmarks like the Secured Overnight Financing Rate (SOFR), which reflects the cost banks themselves face for borrowing cash. The U.S. Treasury publishes a new SOFR daily.</li><li><strong>Margins:</strong>Lenders add a fixed margin to the benchmark rate to calculate your ARM’s interest rate. Margins typically range from 2% to 3.5%, but of course will vary based on factors like the loan, the lender, and your creditworthiness.&nbsp;</li><li><strong>Rate caps:</strong>Caps limit how much your rate can increase during specific periods or over the loan’s lifetime. These include initial adjustment caps, subsequent caps, and lifetime caps.</li></ul><p>It’s typical for ARMs to have 30-year terms. Common ARM structures include the 5/1 ARM (five years fixed, then annual adjustments) and the 10/6 ARM (10 years fixed, then adjustments every six months). There are also structures such as 3/1 ARMs, 7/1 ARMs and 10/1 ARMs.&nbsp;</p><p><strong>Learn more:</strong>Why the Secured Overnight Financing Rate might matter for your mortgage.</p><h2>Refinancing from an ARM to a fixed-rate mortgage</h2><p>If circumstances change after you take out an ARM, such as if you decide you’re going to stay in the home longer than expected, it may be beneficial to refinance to a fixed-rate loan.&nbsp;</p><p>For example, many Millennial and Gen Z homeowners can’t afford to upgrade and are making do with their starter homes. So, know that you’re not alone if you crunch the numbers and determine the smart move is staying put until the market improves.</p><p>The process of refinancing from an ARM to a fixed-rate mortgage is much the same as refinancing from a fixed-rate loan to another fixed-rate loan. You’ll shop rates at various lenders, provide documentation, close on your new loan, and pay off the old one.</p><p>If circumstances change—such as deciding to stay in your home longer—you can refinance from an ARM to a fixed-rate loan. This process is similar to refinancing other mortgage types: shop rates, provide documentation, close on your new loan, and pay off the old one.</p><h2>Pros and cons of adjustable-rate mortgages</h2><p>As with any mortgage type, ARMs have their benefits and their drawbacks. Working with a trusted loan officer can help you settle on the right mortgage for your needs. But, here are some basics to be aware of as you start your journey.</p><p>N/A</p><h3>Pros</h3><ul><li>Chance for lower initial interest rates compared to fixed-rate loans.</li><li>Potential for lower monthly payments if rates drop prior to adjustments.&nbsp;</li><li>Possibility for less stringent borrower requirements.</li></ul><h3>Cons</h3><ul><li>Monthly payments may also increase after the fixed period ends.</li><li>Complex terms make rate shopping more challenging than with fixed-rate loans.</li><li>Less long-term stability compared to fixed-rate mortgages.</li></ul><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Current ARM mortgage rates report for Dec. 2, 2025

<p>The current average refinance rate on a 30-year, fixed-rate home loan is 6.38%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.</p><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul><h2>Current refi rates data</h2><h3>Conventional mortgages</h3><table><tbody><tr><td>30-year</td><td>6.38%</td></tr><tr><td>20-year</td><td>6.53%</td></tr><tr><td>15-year</td><td>5.55%</td></tr><tr><td>10-year</td><td>5.42%</td></tr></tbody></table><h3>Jumbo mortgages</h3><table><tbody><tr><td>30-year</td><td>6.64%</td></tr><tr><td>15-year</td><td>6.00%</td></tr></tbody></table><h3>FHA loans</h3><table><tbody><tr><td>30-year</td><td>6.25%</td></tr><tr><td>15-year</td><td>5.21%</td></tr></tbody></table><h3>VA loans</h3><table><tbody><tr><td>30-year</td><td>5.74%</td></tr><tr><td>15-year</td><td>5.50%</td></tr></tbody></table><p>Note that<em>Fortune</em>reviewed the most recent Zillow data available as of Nov. 25.</p><h2>How mortgage refinancing works</h2><p>Mortgage refinancing essentially involves paying off your existing home loan with a new one. Similar to when you applied for a mortgage the first time, you’ll need to apply for the refinance loan and meet lender criteria regarding your credit profile, proof of income, your debt-to-income (DTI) ratio, and more.&nbsp;</p><p>This process generally means there will be a small hit to your credit score due to the hard inquiry. And, you should be aware there’s a risk of denial if you don’t meet the lender’s requirements. What’s happening with mortgage rates in the market?</p><p>Some observers thought that mortgage interest rates would fall alongside the cuts made by the Federal Reserve to the federal funds rate late last year. However, that didn’t happen, and interest rates remained stubbornly near the 7% mark—considering the nationwide average for 30-year, fixed-rate mortgages—for months.&nbsp;</p><p>Rates did drop slightly toward the end of February, moving closer to 6.5% than had been seen in a while. Still, rates remain elevated well above pandemic-era lows, when some homeowners got mortgages with rates in the 2% and 3% range.&nbsp;</p><p>A report from Redfin showed that as of the third quarter of 2024, 82.8% of homeowners carrying a mortgage had an interest rate under 6%. Many Americans have felt locked in, unwilling or unable to move or refinance while rates remained high.</p><p>There was finally some relief leading up to the Fed’s meetings in September and October, with rates trending noticeably downward ahead of the September meeting and inching downward leading into the October meeting. The central bank cut the federal funds rate at both of those meetings, with a quarter percentage point reduction each time.</p><h2>When it might make sense to refinance your mortgage</h2><p>Refinancing isn’t free, so it’s crucial to weigh the costs. One rule of thumb you’ll hear referenced is that it makes sense to refi if you can secure a rate at least a percentage point lower than your current rate. For example, if rates drop and you’re able to move from a 7% rate to a 6% rate, that’s worth seriously considering.</p><p>You might also want to refinance if you need to tap your home equity—this can be done via a cash-out refinance, which typically requires that you have built up at least 20% equity in your home.&nbsp;&nbsp;</p><p>Refinancing can also help change your loan term or switch loan types, such as moving from an FHA loan to a conventional one to get rid of a lifetime mortgage insurance (MIP) requirement, or changing from an adjustable-rate mortgage (ARM) to a fixed-rate loan.</p><p>It can also be beneficial to refinance if you want to adjust your loan term. For instance, switching from a 15-year to a 30-year mortgage can provide smaller monthly payments, which might be more manageable if your financial situation has changed from when you took out the loan.</p><h2>Costs to refinance your mortgage</h2><p>Refinancing involves closing costs, typically ranging from 2% to 6% of the loan amount. For a $300,000 loan, costs might range from $6,000 to $18,000, for example. Some common costs include:</p><ul><li>Lender origination fees.</li><li>Appraisal fees.</li><li>Title search and insurance fees.</li><li>Loan application fees.</li><li>Survey fees.</li><li>Attorney fees (if required in your state).</li><li>Recording fees.</li><li>Prepayment penalties (if applicable with your existing lender).</li></ul><h2>Different types of mortgage refi loans</h2><p>Several types of refinance options exist, each suited to different goals:</p><ul><li><strong>Rate-and-term refinance:</strong>This is what you’re looking for when you seek to lower your interest rate or change your loan term—though be aware if you shorten your repayment term this will almost certainly result in higher monthly payments.</li><li><strong>Cash-out refinance:</strong>Leverage your home equity by paying off your existing loan and taking out a larger loan, while receiving the difference in cash.</li><li><strong>No-closing-cost refinance:</strong>The lender covers closing costs in exchange for a higher interest rate. This is a refi to approach with educated caution, but could be worthwhile in certain cases.&nbsp;</li><li><strong>Streamline refinance:</strong>Available for FHA, VA, and USDA loans, offering a simpler application process and oftentimes less paperwork.&nbsp;</li></ul><h2>Refinancing with your existing lender vs. a new one</h2><p>You’re not required to refinance with your original lender. Shopping around may help you find lower rates and possibly even better service.&nbsp;</p><p>But, some lenders offer incentives, such as waiving closing costs, for staying with them. So you should broach the topic of refinancing with your existing lender before you make a decision.&nbsp;</p><p>Lastly, know that if your mortgage has been purchased by Fannie Mae or Freddie Mac, you might be eligible for programs like Refi Now and Refi Possible.</p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Current refi mortgage rates report for Nov. 26, 2025

<p>It’s still possible to earn a decent return on a certificate of deposit, but you need to act soon. Average CD yields declined significantly in 2024 as the Federal Reserve reduced interest rates—and while they remained relatively stable in the first part of 2025 as the central bank held off on making more rate changes, the Fed made its first rate reduction of the year in September, and another in October.</p><p>The highest CD rates on the market offer up to 4.18% annual percentage yield. By funding a certificate now, you could secure these high rates for years, depending on the choice of a CD term that best suits your goals. And, with the potential for one more Fed rate cut this year, there’s no time to lose.</p><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul>ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered by<h4>Best CD Rates for December 9, 2025</h4>ZIP Code Deposit Amount $Min. Term Length 6 months<ul><li>1 months</li><li>6 months</li><li>1 year</li><li>18 months</li><li>2 years</li><li>3 years</li></ul>Max. Term Length 3 years<ul><li>6 months</li><li>1 year</li><li>18 months</li><li>2 years</li><li>3 years</li><li>4 years</li><li>5 years</li><li>6 years</li></ul>FEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...<ul><li><p><img src="https://cdn.accountdigital.net/FncDjWggzbQFuUDnrhU8-N9tl2qW"></p>4.25 %<p>December 9, 2025</p>2yr$ 1000$ 1063<p>Over 1 Year</p>2 years cd AccountUnited Fidelity BankMember FDIC<p>QUICK LOOK<br></p></li><li><p><img src="https://cdn.accountdigital.net/FqN7h0hFu0Weda1bAp34DiN44tvQ"></p>4.20 %<p>December 2, 2025</p>6mo$ 1000$ 1050<p>Over 1 Year</p>6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILS<p>QUICK LOOK<br>Limelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.</p>READ BANK REVIEW</li><li><p><img src="https://cdn.accountdigital.net/Fg7zumrXFl0AfFAvTgMJ26axNM6E"></p>4.15 %<p>December 2, 2025</p>9mo$ 500$ 1038<p>Over 1 Year</p>9 Mo CD cd AccountM.Y. Safra BankMember FDICOFFER DETAILS<p>QUICK LOOK<br>M.Y. Safra Bank is an FDIC-insured institution with just one branch in New York City and also offers strictly online accounts. It provides a full range of personal and business deposit products as well as loans and lines of credit. Its online-only CDs offer the most attractive rates the bank has to offer, but its savings and money market accounts also offer decent yields.</p>READ BANK REVIEW</li></ul><ul><li>1</li><li>2</li><li>3</li><li>4</li><li>5</li><li>...</li><li>160</li></ul><h2>The best CD rates on November 27, 2025: Earn up to 4.18%</h2><p>The highest CD rate of 4.18% is offered by Citibank on its three-month CD, according to financial data and analytics company Curinos.<em>Fortune</em>monitors the top rates offered by leading U.S. financial institutions, in partnership with Curinos, to help our readers obtain the best possible return on their CD investments.</p><p>Note that the rates Citi offers on its CDs depend on your zip code. For that reason, some savers may wish to look at runners up MYSB Direct or Bread Savings as alternatives.</p><p>Here are the best available CD rates:</p><h3>Pro tip</h3><p>Looking for the best CD to fit your investment needs? See rates from top institutions:<br>–Wells Fargo<br>–Capital One<br>–Chase<br>–Bank of America<br>–Discover Bank<br>–Northern Bank Direct<br>–Ally Bank<br>–Newtek Bank<br>–Popular Direct<br>–Citibank<br>–Sallie Mae Bank</p><h3>Compare CD rates at top national banks</h3><p>If you’re unfamiliar with the banks listed in the table above, there’s a good reason. The big banks depend less on certificates of deposit to build their capital base than smaller financial institutions. That means they see less need to compete by offering the highest rates.</p><p>Established banks like Chase, PNC, and U.S. Bank acquire customers via business lines like loans and credit cards. As a result, CD interest rates offered by these banks are often lower compared to those available at smaller regional banks or online institutions. Securing a competitive rate at big banks may require opening additional deposit accounts or meeting higher minimum deposit requirements.</p><h2>CD rates news 2025</h2><p>Seasoned investors know that CD market rates closely track the monetary policy decisions of the Federal Reserve, particularly changes in the fed funds rate. Anyone who wants to invest in CD should learn to keep an eye on central bank policy changes in order to understand shifts in CD yields.</p><p>The Federal Open Market Committee (FOMC) left the federal funds rate unchanged from January through August of 2025. Then, at its Sept. 16-17 meeting, the FOMC announced a quarter percentage point reduction, bringing the federal funds rate to 4.00%-4.25%. The fed funds rate currently stands at 3.75%-4.00% after a cut at the central bank’s October meeting.</p><p>There’s one more FOMC meeting scheduled for this year, on Dec. 9-10.</p><p>In 2024, the Fed cut rates three times—the last rate cut was at the December FOMC meeting—leaving rates in a range of 4.25%-4.50%. These changes came in response to cooling U.S. inflation, and the Fed aimed to support the U.S. economy with cheaper lending. This is why CD rates came off their previous two-decade highs last year.</p><p>Those historically high CD yields were driven by aggressive Fed interest rate hikes in 2022 and 2023. Between March 2022 and July 2023, the FOMC hiked rates 11 times, from zero up to a range of 5.25%-5.50%. The Fed’s higher rates were an attempt to cool off the hottest inflation readings since the 1980s, which were themselves the result of economic disruptions from the pandemic.</p><p>It’s worth noting that current CD rates aren’t far off their recent peaks. Investors still have the opportunity to secure competitive rates on both short-term and long-term CDs. By depositing a larger lump sum into your CD account, you can generate considerable interest earnings.</p><h2>Historical CD rates</h2><p>In the early 1980s, CD rates soared into the double digits, a sharp contrast to lower yields in 2025. By 2019, however, the APY for a five-year CD was only a hair above 3.00%.</p><p>Throughout the early 2020s, rates soared over 5.00% as the economy worked its way through the Covid-19 pandemic. Five years later, we are seeing CD rates stabilize in the 3.00%-4.00% range.</p><h2>How to get a good CD rate</h2><p>Determining what qualifies as a “good” CD rate involves striking the right balance between high rates and your appetite for locking up money for a long period of time. Say you’re looking at a 5-year certificate yielding 5.00% APY. You should only pull the trigger if you’re sure you won’t need the funds sooner and you don’t think interest will increase.</p><p>Key factors to evaluate when comparing CDs include:</p><ul><li><strong>Term length:</strong>Ensure it aligns with your savings objectives and time frame.</li><li><strong>APY:</strong>Typically, higher rates are offered for longer terms.</li><li><strong>Minimum deposit:</strong>Confirm that you can meet the required initial balance.</li><li><strong>Penalties:</strong>Understand the costs associated with early withdrawal before maturity.</li><li><strong>Deposit insurance:</strong>Verify that the bank is Federal Deposit Insurance Corp. (FDIC)- or National Credit Union Administration (NCUA)insured to keep your money secure.</li></ul><p>Online banks typically advertise the highest CD yields, just make sure you understand the minimum balance requirements and any associated fees. Opting for a bank rather than a broker can sometimes help avoid unnecessary charges.</p><h3>Look into offerings from online banks</h3><p>Fintech firms and online banks generally offer more competitive rates than national banks. Large financial institutions generate revenue from interest on loans, fees, and investments in securities.</p><p>In contrast, smaller banks and online fintech companies attract customers with competitive APYs on deposit accounts. Additionally, online banks have lower overhead costs, which lets them pay better rates on deposits.</p><h3>Set up a CD ladder</h3><p>CD ladders are ideal for savers who prefer not to tie up funds for long periods. By spreading savings across CDs with varying maturity dates, you can enjoy both short-term access and higher long-term interest rates.</p><p>For example, start by investing $3,000 in three staggered CDs (1-year, 2-year, and 3-year). As each CD reaches maturity, reinvest the funds into a new 3-year CD. This strategy provides yearly access to your money along with the accumulated interest.</p>ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered by<h4>Best CD Rates for December 9, 2025</h4>ZIP Code Deposit Amount $Min. Term Length 6 months<ul><li>1 months</li><li>6 months</li><li>1 year</li><li>18 months</li><li>2 years</li><li>3 years</li></ul>Max. Term Length 3 years<ul><li>6 months</li><li>1 year</li><li>18 months</li><li>2 years</li><li>3 years</li><li>4 years</li><li>5 years</li><li>6 years</li></ul>FEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...<ul><li><p><img src="https://cdn.accountdigital.net/FncDjWggzbQFuUDnrhU8-N9tl2qW"></p>4.25 %<p>December 9, 2025</p>2yr$ 1000$ 1063<p>Over 1 Year</p>2 years cd AccountUnited Fidelity BankMember FDIC<p>QUICK LOOK<br></p></li><li><p><img src="https://cdn.accountdigital.net/FqN7h0hFu0Weda1bAp34DiN44tvQ"></p>4.20 %<p>December 2, 2025</p>6mo$ 1000$ 1050<p>Over 1 Year</p>6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILS<p>QUICK LOOK<br>Limelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.</p>READ BANK REVIEW</li><li><p><img src="https://cdn.accountdigital.net/Fg7zumrXFl0AfFAvTgMJ26axNM6E"></p>4.15 %<p>December 2, 2025</p>9mo$ 500$ 1038<p>Over 1 Year</p>9 Mo CD cd AccountM.Y. Safra BankMember FDICOFFER DETAILS<p>QUICK LOOK<br>M.Y. Safra Bank is an FDIC-insured institution with just one branch in New York City and also offers strictly online accounts. It provides a full range of personal and business deposit products as well as loans and lines of credit. Its online-only CDs offer the most attractive rates the bank has to offer, but its savings and money market accounts also offer decent yields.</p>READ BANK REVIEW</li></ul><ul><li>1</li><li>2</li><li>3</li><li>4</li><li>5</li><li>...</li><li>160</li></ul><h2>Understand the different kinds of CDs</h2><p>There are several types of CDs available to cater to different financial needs:</p><ul><li><strong>Brokered CDs</strong>are purchased and sold through brokerage accounts rather than directly from banks or credit unions. They often provide higher APYs since they are issued by banks and then sold to brokerages.</li><li><strong>Callable CDs</strong>include a feature that allows the issuing institution to terminate the CD before its maturity date. Investors receive their principal and any accrued interest up to the call date if this option is exercised.</li><li><strong>Bump-up CDs</strong>allow you to request a higher APY if interest rates increase after opening the account. Typically, you can adjust the rate once or twice during the CD’s term.</li><li><strong>No-penalty CDs</strong>do not charge penalties for early withdrawals before maturity. This type is less common and may offer lower APYs compared to traditional CDs.</li><li><strong>Jumbo CDs</strong>require a substantial minimum deposit, often starting at $100,000 or more. They generally offer higher APYs than standard CDs.</li><li><strong>Variable-rate CDs</strong>have an APY that changes in response to prevailing interest rates. These CDs carry more risk than traditional CDs because a decrease in interest rates before maturity can result in a lower yield.</li></ul><p><em>Series on daily CD rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan.</em></p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Invest in CDs now to get up to 4.18% APY. Here are the best CD rates for Nov. 27, 2025

Best high-yield savings accounts of December 2025

<p>The average interest rate for a 30-year, fixed-rate conforming mortgage loan in the U.S. is 6.144%, according to data available from mortgage data company Optimal Blue. That’s down approximately 5 basis points from the prior day’s report, and down approximately 10 basis points from a week ago. Read on to compare average rates for a variety of conventional and government-backed mortgage types and see whether rates have increased or decreased.</p><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul><h2><strong>Current mortgage rates data:</strong></h2><h3><strong>30-year conventional</strong></h3><table><tbody><tr><td>Current rate</td><td>6.144%</td></tr><tr><td>One week ago</td><td>6.244%</td></tr><tr><td>One month ago</td><td>6.156%</td></tr></tbody></table><h3><strong><strong>30-year jumbo</strong></strong></h3><table><tbody><tr><td>Current rate</td><td>6.437%</td></tr><tr><td>One week ago</td><td>6.434%</td></tr><tr><td>One month ago</td><td>6.442%</td></tr></tbody></table><h3><strong><strong>30-year FHA</strong></strong></h3><table><tbody><tr><td>Current rate</td><td>5.990%</td></tr><tr><td>One week ago</td><td>6.102%</td></tr><tr><td>One month ago</td><td>5.968%</td></tr></tbody></table><h3><strong><strong>30-year VA</strong></strong></h3><table><tbody><tr><td>Current rate</td><td>5.764%</td></tr><tr><td>One week ago</td><td>5.853%</td></tr><tr><td>One month ago</td><td>5.720%</td></tr></tbody></table><h3><strong><strong>30-year USDA</strong></strong></h3><table><tbody><tr><td>Current rate</td><td>5.975%</td></tr><tr><td>One week ago</td><td>6.079%</td></tr><tr><td>One month ago</td><td>5.798%</td></tr></tbody></table><h3><strong><strong>15-year conventional</strong></strong></h3><table><tbody><tr><td>Current rate</td><td>5.443%</td></tr><tr><td>One week ago</td><td>5.508%</td></tr><tr><td>One month ago</td><td>5.341%</td></tr></tbody></table><p>Note that<em>Fortune</em>reviewed Optimal Blue’s latest available data on Nov. 27, with the numbers reflecting home loans locked in as of Nov. 26.&nbsp;</p><h2>What’s happening with mortgage rates in the market?</h2><p>If it feels like 30-year mortgage rates have been stuck near 7% forever, that’s not far from the truth. Many observers were hoping that rates would soften when the Federal Reserve started cutting the federal funds rate in September 2024, but that didn’t happen. There was a brief dip preceding that meeting, but rates shot back up afterward.</p><p>In fact, by January 2025 the average rate on a 30-year, fixed-rate mortgage topped 7% for the first time since last May, according to Freddie Mac data. That’s a far cry from the historic average low of 2.65% we saw in January 2021, when the government was still trying to stimulate the economy and stave off a pandemic-induced recession.&nbsp;</p><p>Barring another massive catastrophe, experts agree we won’t see rates in the 2% to 3% range in our lifetimes. And right now, with President Donald Trump pursuing policies such as tariffs and deportations, some observers have feared the labor market could tighten and inflation could reignite. Against that backdrop, U.S. homebuyers have been stuck with high mortgage rates—though some found ways to make their purchase more affordable, such as negotiating rate buydowns with a builder when purchasing newly constructed housing.</p><p>But, homebuyers (and homeowners considering refinancing) finally got some relief starting in late August and early September of 2025. Leading up to the Fed’s Sept. 16-17 meeting, mortgage rates started trending noticeably downward in anticipation that the central bank would reduce the federal funds rate.</p><p>The Fed did indeed deliver the expected cut, reducing its benchmark rate by a quarter percentage point—the first cut of 2025. Then, it made a second cut of the same amount at the end of October.</p><p>With another meeting set for December, the potential remains for at least one more reduction in the federal funds rate during 2025.</p><h2>How to get the best mortgage rate possible</h2><p>While economic conditions are out of your control, your financial profile as an applicant has a major impact on the mortgage rate you get. With that in mind, strive to do the following:</p><ul><li><strong>Ensure your credit is in excellent shape.</strong>The minimum credit score to get a conventional mortgage is generally 620 (for FHA loans, you may be able to qualify with a score of 580 or a score as low as 500 and a 10% down payment). But, if you’re hoping to get a low rate that could potentially save you five or even six figures in interest over the life of your loan, you’ll want a score quite a bit higher. For example, lender Blue Water Mortgage notes that a score of 740 or higher is considered top tier.&nbsp;</li><li><strong>Keep your debt-to-income (DTI) ratio low.</strong>You can calculate your DTI by dividing your monthly debt payments by your gross monthly income, then multiplying by 100. For example, someone with a $3,000 monthly income and $750 in monthly debt payments has a 25% DTI. It’s typically best when applying for a mortgage to have a DTI of 36% or below, though you may get approved with a DTI as high as 43%.</li><li><strong>Get prequalified with multiple lenders.</strong>You may wish to try a mix of large banks, local credit unions, and online lenders and compare offers. Plus, getting connected with loan officers at several different institutions can help you evaluate what you’re looking for in a lender and which one will be best able to meet your needs. Just make sure when you’re comparing rates that you’re doing it in a way that’s apples to apples—if one estimate relies on you purchasing mortgage discount points and another does not, it’s important to realize there’s an upfront cost for buying down your rate with points.</li></ul><h2>Mortgage interest rates historical chart</h2><p>Rates feel high because practically everyone recalls the ultra-low rates that prevailed over the last 15 years or so. A unique set of historical circumstances drove that market: The long period when the Fed held its key rate at zero to recover from the Great Recession, followed by the unprecedented policies put in place as the country battled the global Covid-19 pandemic.</p><p>Now that more normal economic conditions prevail, experts agree we’re unlikely to see such dramatically low interest rates again. Taking the long view, rates around 7% are not abnormally high.&nbsp;</p><p>Consider this St. Louis Fed chart tracking Freddie Mac data on the 30-year, fixed-rate mortgage average. In the 1990s, 7% rates were more or less the norm. Compared to rates in the 1970s and 80s, 7% rates look like a deal. In fact, September, October, and November of 1981 all saw mortgage interest rates above 18%.</p><p><img src="https://cdn.accountdigital.net/Fk_qojIw8TZQPXwhI7EI_0B_MGol"></p><p>Historical context is scant comfort for homeowners who want to move but feel locked in with a once-in-a-lifetime low interest rate. Such situations are common enough in the current market that low pandemic-era rates keeping homeowners put when they’d otherwise move have become known as the “golden handcuffs.”</p><h2>Factors that impact mortgage interest rates</h2><p>The current state of the U.S. economy is the biggest factor impacting mortgage interest rates. If lenders fear inflation, they raise mortgage rates to protect their long-term profits.&nbsp;</p><p>Another big-picture factor is the national debt. When the federal government runs large deficits and has to borrow to make up the difference, that can put upward pressure on interest rates.</p><p>Demand for home loans plays a key role. If demand for loans is low, lenders may lower rates to attract more borrowers. On the other hand, high demand means lenders might decide to raise rates as a way of covering costs for handling a higher volume of loans.</p><p>And of course, we must consider the Federal Reserve’s actions. The Fed can influence interest rates on financial products such as mortgages both through deciding to hike or cut the federal funds rate and through what actions it decides to take regarding its balance sheet.</p><p>The federal funds rate gets significant media attention, as increases or decreases to this benchmark rate (which is the rate banks charge each other for borrowing money overnight) often coincide with increases or decreases to the interest rates for home loans and other forms of credit. That said, the Fed does not set rates for mortgages or other credit products directly, and such interest rates do not always track perfectly with the fed funds rate.</p><p>Another way the Fed influences mortgage rates is via its balance sheet. In times of economic distress, the central bank buys financial assets and holds them on their balance sheet, injecting liquidity into the economy. Mortgage-backed securities (MBS) are a key type of asset for the Fed in such situations.&nbsp;</p><p>However, since 2022, the Fed was slimming down its balance sheet—allowing assets to mature without buying new ones to replace those that have aged off it. That puts an upward pressure on mortgage interest rates. But, that policy (known as “quantitative tightening”) has ended as of Dec. 1, 2025.</p><h2>Why it’s important to compare mortgage rates</h2><p>Comparing rates on different types of loans and shopping around with different lenders are both important steps in getting the best mortgage for your situation.</p><p>If your credit is in stellar shape, opting for a conventional mortgage might be the best choice for you. But, if your score is sub-600, an FHA loan may give you a chance a conventional loan would not.</p><p>When it comes to shopping around with different banks, credit unions, and online lenders, it can make a tangible difference in how much you pay. Freddie Mac research shows that in a market with high interest rates, homebuyers may be able to save $600 to $1,200 annually if they apply with multiple mortgage lenders.</p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Current mortgage rates report for Dec. 1, 2025

<p>You’ve still got time to earn solid returns in a certificate of deposit, but don’t delay. The Federal Reserve cut interest rates three times in 2024, and made two long-awaited cuts in 2025 at its September and October meetings, which means average CD yields are well off their past record highs.</p><p>Currently, the best CD rates offer up to 4.18% annual percentage yield. If you fund a certificate of deposit on December 3, 2025, you could lock in a higher rate for years, depending on what term length best fits your financial objectives.</p><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul>#qsWidgetContainer176, #qsWidgetContainer176 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer176 .sizeone .header-section { border-bottom: 0 none; 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} #qsWidgetContainer176 .sh-first-product .sh-btn__text, #qsWidgetContainer176 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer176 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer176 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer176 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer176 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer176 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer176 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer176 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer176 .listing-title { font-size: 20px; font-weight: 600; } }<h2>The best CD rates on December 3, 2025: Earn up to 4.18%</h2><p>The highest CD rate of 4.18% is offered by Citibank on its three-month CD. Note that the rates Citi offers may vary depending on your location, so some savers may wish to consider runners-up MYSB Direct and Bread Savings instead.</p><p><em>Fortune</em>monitors the top rates offered by leading U.S. financial institutions to help readers obtain the best possible return on their CD investments. Here are the highest CD rates on the market:</p><h3>Pro tip</h3><p>Looking for the best CD to fit your investment needs? See rates from top institutions:<br>–Wells Fargo<br>–Capital One<br>–Chase<br>–Bank of America<br>–Discover Bank<br>–Northern Bank Direct<br>–Ally Bank<br>–Newtek Bank<br>–Popular Direct<br>–Citibank<br>–Sallie Mae Bank</p><h3>Compare CD rates at top national banks</h3><p>If you’re unfamiliar with some or all of the institutions on the list above, that’s no accident. Big banks—Chase, PNC, and U.S. Bank, for example—are more focused on products like loans and credit cards rather than certificates of deposit. Consequently, they tend to offer CD rates that can suffer in comparison to smaller regional institutions or online banks.</p><h2>CD rates news 2025</h2><p>CD investors should understand that market rates are closely tied to Federal Reserve policy decisions, more specifically changes to the fed funds rate. Staying informed about fed interest rate policy is vital for anyone investing in certificates of deposit.</p><p>The Fed cut rates three times in 2024, with the final rate reduction in December fixing fed funds at 4.25%-4.50%. The central bank cut rates to support the economy as inflation finally began to subside after its pandemic surge. As a consequence, CD rates came off their recent highs.</p><p>At its Sept. 16-17, 2025 meeting, the Fed initiated the first rate cut of the year, and followed up with another cut when it met Oct. 28-29. Now, the federal funds rate stands at 3.75%-4.00%. Some CD offerings dipped around the time these cuts rolled out.</p><p>There’s one more Fed meeting on the calendar this year, with the next one set for Dec. 9-10. CD rates could well dip further if banks anticipate the Fed will enact another cut.</p><p>The strong average CD yields of 2022 and 2023 were a direct result of the Fed’s post-pandemic rate hike campaign. From March 2022 through July 2023, the FOMC hiked interest rates eleven times, taking fed funds from zero to 5.25%-5.50%. The central bank took action as inflation grew at higher rates than at any time since the 1980s.</p><p>Remember, current CD rates aren’t far off their recent highs. Investors have an opportunity to secure attractive rates on both short-term and long-term certificates. By placing a larger lump sum into your CD account, you can earn substantial interest.</p><h2>Historical CD rates</h2><p>In the early 1980s, CD rates surged into double digits, starkly contrasting with lower rates in 2025. By 2019, however, the APY for a 5-year CD had slightly exceeded 3.00%.</p><p>Throughout the early 2020s, top rates typically remained below 1.00% APY. In recent years, rates saw a significant increase, with the best offerings surpassing 5.00% APY in 2024. In 2025, however, we’ve seen many rates just under or just above the 4.00% mark.</p><h2>How to get a good CD rate</h2><p>Determining what constitutes a good CD rate involves striking a balance between the highest rate available and your willingness to lock your money up for a specified term.&nbsp;</p><p>For instance, investing a large sum in a five-year CD yielding 5.00% may not be a good choice if you need the money sooner or if you believe interest rates could start rising again. But generally speaking, rates that exceed the national average are considered worthwhile.&nbsp;</p><p>Key factors to consider when comparing CDs include:</p><ul><li><strong>Term length:</strong>Ensure it aligns with your savings goals and timeline.</li><li><strong>APY:</strong>Higher rates typically are offered for longer terms.</li><li><strong>Minimum deposit:</strong>Make sure you can meet the required initial balance.</li><li><strong>Penalties:</strong>Understand the costs associated with withdrawing funds before maturity.</li><li><strong>Deposit insurance:</strong>Verify that the bank is Federal Deposit Insurance Corp. (FDIC)- or National Credit Union Administration (NCUA)-insured for deposit protection.</li></ul><p>Note that online banks typically offer better CD yields—just be mindful of any minimum balance requirements and associated fees. Choosing a bank over a broker can sometimes help avoid unnecessary fees.</p><h3>Look into offerings from online banks</h3><p>Online banks and fintech companies generally offer more competitive rates than big national banks. Large financial institutions primarily earn revenue from interest on loans, fees, and investments in securities.</p><p>In contrast, smaller banks and online fintech companies attract customers with competitive APYs on deposit accounts. Moreover, online banks typically operate with lower overhead costs, allowing them to pass better rates on to their clients.</p>ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered by<h4>Best CD Rates for December 9, 2025</h4>ZIP Code Deposit Amount $Min. Term Length 6 months<ul><li>1 months</li><li>6 months</li><li>1 year</li><li>18 months</li><li>2 years</li><li>3 years</li></ul>Max. Term Length 3 years<ul><li>6 months</li><li>1 year</li><li>18 months</li><li>2 years</li><li>3 years</li><li>4 years</li><li>5 years</li><li>6 years</li></ul>FEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...<ul><li><p><img src="https://cdn.accountdigital.net/FncDjWggzbQFuUDnrhU8-N9tl2qW"></p>4.25 %<p>December 9, 2025</p>2yr$ 1000$ 1063<p>Over 1 Year</p>2 years cd AccountUnited Fidelity BankMember FDIC<p>QUICK LOOK<br></p></li><li><p><img src="https://cdn.accountdigital.net/FqN7h0hFu0Weda1bAp34DiN44tvQ"></p>4.20 %<p>December 2, 2025</p>6mo$ 1000$ 1050<p>Over 1 Year</p>6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILS<p>QUICK LOOK<br>Limelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.</p>READ BANK REVIEW</li><li><p><img src="https://cdn.accountdigital.net/Fg7zumrXFl0AfFAvTgMJ26axNM6E"></p>4.15 %<p>December 2, 2025</p>9mo$ 500$ 1038<p>Over 1 Year</p>9 Mo CD cd AccountM.Y. Safra BankMember FDICOFFER DETAILS<p>QUICK LOOK<br>M.Y. Safra Bank is an FDIC-insured institution with just one branch in New York City and also offers strictly online accounts. It provides a full range of personal and business deposit products as well as loans and lines of credit. Its online-only CDs offer the most attractive rates the bank has to offer, but its savings and money market accounts also offer decent yields.</p>READ BANK REVIEW</li></ul><ul><li>1</li><li>2</li><li>3</li><li>4</li><li>5</li><li>...</li><li>160</li></ul><h3>Set up a CD ladder</h3><p>CD ladders are perfect for savers who are hesitant to commit funds for extended periods of time. By diversifying savings across CDs with different maturity dates, you can benefit from both short-term accessibility and higher long-term interest rates.</p><p>For instance, say you invest $3,000 in three staggered CDs (1-year, 2-year, and 3-year). As each CD matures, you can reinvest the funds into a new 3-year CD. This approach allows annual access to your money along with the accrued interest.</p><p><em>Series on daily CD rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan.</em></p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Earn up to 4.18% APY with the best CD rates available on Dec. 3, 2025

<p>Gold was trading at $4,121 per ounce at 10:05 a.m. Eastern Time on Nov. 25, 2025. This is a $39 gain from yesterday morning and about $1,488 higher than a year ago.</p><table><thead><tr><th>Gold price per ounce</th><th>% Change</th></tr></thead><tbody><tr><th>Price of gold yesterday</th><td>$4,082</td><td>-0.95%</td></tr><tr><th>Price of gold 1 month ago</th><td>$3,982</td><td>-3.37%</td></tr><tr><th>Price of gold 1 year ago</th><td>$2,633</td><td>-36.11%</td></tr></tbody></table><table><tbody><tr><th>Price of gold yesterday</th></tr><tr><th>Gold price per ounce</th><td>$4,082</td></tr><tr><th>% Change</th><td>-0.95%</td></tr><tr><th>Price of gold 1 month ago</th></tr><tr><th>Gold price per ounce</th><td>$3,982</td></tr><tr><th>% Change</th><td>-3.37%</td></tr><tr><th>Price of gold 1 year ago</th></tr><tr><th>Gold price per ounce</th><td>$2,633</td></tr><tr><th>% Change</th><td>-36.11%</td></tr></tbody></table><p>For investors wanting an asset less affected by inflation, gold may be a wise choice. Historically, Gold is an asset that appreciates over time. Rather than collecting the actual physical gold manifestations, many people use a gold IRA, which also offers the convenience of not having to store physical gold, which can come with its own cost. Regardless of how you purchase gold, it can help serve as a steady part of a portfolio during market volatility.</p><h2><strong>Historical gold price chart</strong></h2><p>Gold isn’t a guaranteed answer in every financial environment. In a strong economy, stocks can deliver better returns both in the short and long term. From 1971 to 2024, traditional stocks averaged 10.7% annual returns, while gold averaged 7.9%.</p><p>Still, gold is a reliable, risk-averse asset during economic uncertainty. That’s why some investors see it more as a store of value instead of a typical investment like stocks or bonds.</p><h2><strong>What does “spot gold” mean?</strong></h2><p>The spot price is the current rate for buying or selling gold immediately in over-the-counter trades. This helps investors track gold demand and market trends. A higher spot price means stronger demand. Unlike futures, the spot price is for immediate settlement.</p><p>When the price for future delivery is above the spot price, it’s called contango, which is common for commodities with storage costs. If the futures price is lower, it’s called backwardation.</p><p>Many factors can cause the spot price to fluctuate. Investors should be prepared for this volatility.</p><h2><strong>What is price spread in gold trading</strong>?</h2><p>The price spread is the gap between the buying and selling price of an asset.</p><p>In gold trading, the ask price is the cost to buy, and the bid price is what you’d get for selling. The bid is always less than the ask.</p><p>A smaller spread means a more liquid market. Tight spreads typically indicate higher gold demand.</p><h2><strong>How to invest in gold</strong></h2><p>If you picture gold investing as a suitcase filled with gold bars, that’s only part of the story. While buying physical bars, coins, or jewelry is an option, most gold trading happens via exchange-traded funds (ETFs).</p><p>James Taska, a fee-based financial advisor, says, “There is a great debate as to whether paper gold is as useful as the physical. From a financial advisor’s viewpoint, it is much easier to rebalance a client’s allocation of gold if it is owned as an exchange-traded fund (ETF), and the spread when attempting to buy/sell gold can be quite variable and wide.”</p><p>Popular ways to invest in gold include:</p><ul><li><strong>Gold bars and rounds:</strong>Also known as bullion, sold by weight, with purity and manufacturer details marked.</li><li><strong>Gold coins:</strong>Collectible coins like the American Gold Eagle, often priced higher than bars due to rarity.</li><li><strong>Gold jewelry:</strong>Priced above gold content for design and craftsmanship.</li><li><strong>Gold futures contracts:</strong>Agreements to buy gold at a future date, allowing speculation without handling the metal.</li><li><strong>Gold funds:</strong>Mutual funds or ETFs invested in gold, with values tied to the underlying assets.</li></ul><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul><h2><strong>Is it a good time to invest in gold?</strong></h2><p>Deciding if now is the right time to invest in gold is subjective. However, gold can help diversify your portfolio and reduce market risk.</p><p>Gold remains a stable asset amid today’s market volatility. Prices have reached record highs, up more than 25% since early 2025, driven by inflation and uncertainty. Many experts recommend adding gold for diversification.</p><h2>Current precious metals prices as of 10:05 a.m. ET on Nov. 25, 2025</h2><table><thead><tr><th>Precious Metal</th><th>Price per ounce</th></tr></thead><tbody><tr><th>Gold</th><td>$4,121</td></tr><tr><th>Silver</th><td>$51</td></tr><tr><th>Platinum</th><td>$1,548</td></tr><tr><th>Palladium</th><td>$1,389</td></tr></tbody></table><table><tbody><tr><th>Gold</th></tr><tr><th>Price per ounce</th><td>$4,121</td></tr><tr><th>Silver</th></tr><tr><th>Price per ounce</th><td>$51</td></tr><tr><th>Platinum</th></tr><tr><th>Price per ounce</th><td>$1,548</td></tr><tr><th>Palladium</th></tr><tr><th>Price per ounce</th><td>$1,389</td></tr></tbody></table><p>Silver, platinum, and palladium are also common portfolio additions. Gold is typically less volatile than silver, which can see major price swings within a day. Silver’s use in industry makes it more responsive to economic trends.</p><p>Platinum and palladium behave similarly to silver. These rare metals can diversify a portfolio but are usually more volatile than gold.</p>#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer179 .listing:first-child { margin-top: 0; } #qsWidgetContainer179 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer179 .logo-column.flex-container, #qsWidgetContainer179 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer179 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer179 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer179 .apy-label, #qsWidgetContainer179 .curDate, #qsWidgetContainer179 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer179 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer179 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer179 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer179 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer179 .prop-value-container { align-items: stretch; } #qsWidgetContainer179 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer179 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer179 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer179 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer179 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer179 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer179 #sh-star-icon { top: -2px; } #qsWidgetContainer179 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer179 #see_more_carrier, #qsWidgetContainer179 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer179 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer179 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer179 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer179 .shmktpl-sponsored, #qsWidgetContainer179 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer179 .sh-logo { flex-shrink: 1; } #qsWidgetContainer179 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer179 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer179 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer179 .cdBankingDesignChanges .product-details-container &gt; .sh-row-container { align-items: center !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer179 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer179 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer179 .sh-first-product .sh-btn__text, #qsWidgetContainer179 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer179 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer179 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }<h2><strong>The takeaway</strong></h2><p>The U.S. economy has been unsettled for years, with persistent inflation making an impact. Gold can serve as an inflation hedge in your portfolio. With multiple ways to buy, gold is accessible to most investors. Whether through a gold IRA or a more active investment approach, gold can help achieve both short- and long-term goals.</p><h2><strong>Frequently asked questions</strong></h2><h3>What is the best way to own gold?</h3><p>Many investors choose gold ETFs, which provide a managed, easily traded basket of assets.</p><h3>Is gold a good investment?</h3><p>Gold is a popular choice for those seeking diversification and inflation protection. There are many straightforward ways to invest.</p><h3>Should I buy gold coins or gold bars?</h3><p>Gold coins are collectibles and may be valued higher per ounce than bars. Their collectible and historical value can appeal to some investors. U.S. minted coins can also help guard against counterfeit bars.</p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Current price of gold as of November 25, 2025

Presidential Bank review 2025: Checking account APY that might be better than your current high-yield savings

<p>You’re looking at up to 5.00% APY on top high-yield savings accounts as of Nov. 26, 2025. To put that in perspective, that’s more than 10x higher than the FDIC-reported national average of 0.40%. For anyone trying to get real returns on their savings, the difference is substantial.</p><p>Whatever brought you here—whether it’s building an emergency fund saving for a major purchase like travel, putting away funds to invest in precious metals, or planning for retirement—keeping your money in a high-yield savings account is smart. You get solid returns without too much complexity or the risks associated with stock market investments and the like.</p><p>The three highest-APY accounts we’ve identified are as follows:</p><ul><li>Earn up to 5.00% with Varo Money.</li><li>Earn up to 4.51% with Axos Bank.</li><li>Earn up to 4.35% with Newtek Bank.</li></ul>#qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer175 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer175 .listing:first-child { margin-top: 0; } #qsWidgetContainer175 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer175 .logo-column.flex-container, #qsWidgetContainer175 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer175 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer175 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer175 .apy-label, #qsWidgetContainer175 .curDate, #qsWidgetContainer175 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer175 .prop-value-container { align-items: stretch; } #qsWidgetContainer175 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer175 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer175 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer175 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer175 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer175 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer175 #sh-star-icon { top: -2px; } #qsWidgetContainer175 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; 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} #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container &gt; .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }<h2>Highest savings account rates Nov. 26, 2025</h2><p><em>Fortune</em>has partnered with the financial industry consultants at Curinos to give you an accurate look at the highest savings account rates on the market. Varo Money tops the list, with Axos Bank and Newtek Bank also offering very respectable yields. Read on to see our full list of HYSAs and find the one that’s right for your needs.</p><h3>What the Fortune/Curinos partnership means for you</h3><p>We work with Curinos, which has a track record of more than thirty years analyzing financial services data, to bring you current rates on savings accounts and CDs from a long list of financial institutions. This daily reporting gives us the foundation to create a selection that actually helps you pick the right account for your situation.</p><h2>History of savings account rates</h2><p>While the average savings account rate has increased from the lows seen from 2020 to 2022, it’s still far below the APYs available on the most generous high-yield savings accounts on our list.</p><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul><h2>Why should you choose a high-yield savings account?</h2><p>A quick terminology note: There’s no official account type called a “high-yield savings account.” What we’re really talking about is banks and credit unions that happen to offer rates significantly higher than average. It’s just a label we use to make things clearer.</p><p>Most of the divide between traditional and high-yield accounts comes down to operations. Traditional banks run branch networks and offer everything under the sun—loans, checking, credit cards, you name it. High-yield providers are usually online-only, keep their offerings lean, and have no physical locations to maintain. That operational simplicity translates to better rates for you.</p><h3>Pro tip</h3><p>Learn more about different types of savings accounts.</p><p>If you’re willing to handle your banking online, switching to a high-yield account can meaningfully increase what you earn. Depending on your deposit and APY, you could be looking at hundreds—or more—in extra interest annually compared to a standard savings account.</p><h3>How much interest can you earn with a higher APY?</h3><p>Let’s assume a hypothetical where you’ve got five grand sitting in savings a full year, and the APY doesn’t budge. The interest you’d earn with a 5.00% APY is dramatically different from what you’d earn if the account’s APY was a mere 0.40%. See the estimates below:</p><table><thead><tr><th>Initial Deposit</th><th>Estimated Interest</th></tr></thead><tbody><tr><th><strong>0.40% APY</strong></th><td>$5,000</td><td>$22</td></tr><tr><th><strong>5.00% APY</strong></th><td>$5,000</td><td>$256</td></tr></tbody></table><table><tbody><tr><th><strong>0.40% APY</strong></th></tr><tr><th>Initial Deposit</th><td>$5,000</td></tr><tr><th>Estimated Interest</th><td>$22</td></tr><tr><th><strong>5.00% APY</strong></th></tr><tr><th>Initial Deposit</th><td>$5,000</td></tr><tr><th>Estimated Interest</th><td>$256</td></tr></tbody></table><p>It’s a surprisingly painless change that can have a real impact on your bottom line.</p><h3>What should you look for in a high-yield savings account?</h3><p>Focus on these things when you’re choosing a HYSA:</p><ul><li><strong>Competitive rates.</strong>Look for APYs that are actually going to move the needle on your earnings.</li><li><strong>Low or no minimums.</strong>Plenty of high-yield accounts don’t require a hefty opening deposit, making them accessible if you’re building your savings from scratch.</li><li><strong>Fee-free.</strong>Skip accounts that nickel-and-dime you with monthly maintenance charges—that money should stay in your account.</li><li><strong>Access to your funds.</strong>Verify that you can transfer your money when you need it. Pay attention to withdrawal caps and foreign ATM fees.</li><li><strong>Insurance.</strong>Check that your deposits are FDIC-protected at a bank or NCUA-protected at a credit union.</li></ul><p>Note that any interest you earn will be taxable.</p>ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered by<h4>The best savings account rates from our partners for December 9, 2025</h4>Account Type Savings &amp; MMAs<ul><li>Savings &amp; MMAs</li><li>MMAs Only</li><li>Savings Only</li></ul>ZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...<ul><li><p><img src="https://cdn.accountdigital.net/FrqJqhmIsaMpaQMg54QJ6AUVO4R8"></p>3.75 %<p>December 9, 2025</p>$ 100$ 938<p>Over 1 Year</p>Savings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILS<p>QUICK LOOK<br>CIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.</p>READ BANK REVIEW</li><li><p><img src="https://cdn.accountdigital.net/Fk36OcwLNlWYlQisSYdMJleJYjOd"></p>4.35 %<p>December 2, 2025</p>$ 0$ 1088<p>Over 1 Year</p>Savings AccountNewtek BankMember FDIC<p>QUICK LOOK<br></p></li><li><p><img src="https://cdn.accountdigital.net/FhTCnw7I5NH6UFBT62zqIJ03_9G9"></p>4.20 %<p>December 9, 2025</p>$ 0$ 1050<p>Over 1 Year</p>Savings AccountLendingClubMember FDICEarn our LevelUp rate with $250 in monthly deposits, plus no fees.OFFER DETAILS<p>QUICK LOOK<br>LendingClub Bank is an FDIC-insured online bank known as Radius Bank until it was acquired by LendingClub in February 2021. Consumers looking for an online bank that offers competitive yields, low fees and ample ATM access might consider LendingClub Bank a solid option.</p>READ BANK REVIEW</li></ul><ul><li>1</li><li>2</li><li>3</li><li>4</li><li>5</li><li>...</li><li>67</li></ul><h2>Frequently asked questions</h2><h3>Are savings account rates going to fall?</h3><p>They could. Banks often adjust their rates based on what the Federal Reserve does. Given that the Fed began cutting rates in late 2025—a win for borrowers, a challenge for savers—it’s reasonable to expect that some savings account rates could head downward accordingly.</p><h3>Can I lose money in a high-yield savings account?</h3><p>As long as your account is FDIC- or NCUA-insured, you should be protected up to a $250,000 maximum per financial institution. Also, understand that your savings won’t fluctuate like stock prices, but inflation could erode what your money can buy if it outpaces your APY.</p><h3>Is a high-yield savings account still worth it?</h3><p>Yes, it is. Fed rate cuts aside, many high-yield savings accounts continue to offer APYs in the vicinity of 4.00%. These accounts are effectively the best straightforward option for growing your money safely while keeping it within reach. Though we’ll also note CDs are worth considering if you can afford to lock your money away for a set period of time.</p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Best high-yield savings account rates on Nov. 26, 2025: Earn up to 5.00% APY

<p>The current average refinance rate on a 30-year, fixed-rate home loan is 6.30%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.</p><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul><h2>Current refi rates data</h2><h3>Conventional mortgages</h3><table><tbody><tr><td>30-year</td><td>6.30%</td></tr><tr><td>20-year</td><td>6.19%</td></tr><tr><td>15-year</td><td>5.55%</td></tr><tr><td>10-year</td><td>5.75%</td></tr></tbody></table><h3>Jumbo mortgages</h3><table><tbody><tr><td>30-year</td><td>7.00%</td></tr><tr><td>15-year</td><td>6.88%</td></tr></tbody></table><h3>FHA loans</h3><table><tbody><tr><td>30-year</td><td>5.75%</td></tr><tr><td>15-year</td><td>5.63%</td></tr></tbody></table><h3>VA loans</h3><table><tbody><tr><td>30-year</td><td>5.68%</td></tr><tr><td>15-year</td><td>5.27%</td></tr></tbody></table><p>Note that<em>Fortune</em>reviewed the most recent Zillow data available as of Dec. 2.</p><h2>How mortgage refinancing works</h2><p>Mortgage refinancing essentially involves paying off your existing home loan with a new one. Similar to when you applied for a mortgage the first time, you’ll need to apply for the refinance loan and meet lender criteria regarding your credit profile, proof of income, your debt-to-income (DTI) ratio, and more.&nbsp;</p><p>This process generally means there will be a small hit to your credit score due to the hard inquiry. And, you should be aware there’s a risk of denial if you don’t meet the lender’s requirements.</p><h2>What’s happening with mortgage rates in the market?</h2><p>Some observers thought that mortgage interest rates would fall alongside the cuts made by the Federal Reserve to the federal funds rate late last year. However, that didn’t happen, and interest rates remained stubbornly near the 7% mark—considering the nationwide average for 30-year, fixed-rate mortgages—for months.&nbsp;</p><p>Rates did drop slightly toward the end of February, moving closer to 6.5% than had been seen in a while. Still, rates remain elevated well above pandemic-era lows, when some homeowners got mortgages with rates in the 2% and 3% range.&nbsp;</p><p>A report from Redfin showed that as of the third quarter of 2024, 82.8% of homeowners carrying a mortgage had an interest rate under 6%. Many Americans have felt locked in, unwilling or unable to move or refinance while rates remained high.</p><p>There was finally some relief leading up to the Fed’s meetings in September and October, with rates trending noticeably downward ahead of the September meeting and inching downward leading into the October meeting. The central bank cut the federal funds rate at both of those meetings, with a quarter percentage point reduction each time.</p><h2>When it might make sense to refinance your mortgage</h2><p>Refinancing isn’t free, so it’s crucial to weigh the costs. One rule of thumb you’ll hear referenced is that it makes sense to refi if you can secure a rate at least a percentage point lower than your current rate. For example, if rates drop and you’re able to move from a 7% rate to a 6% rate, that’s worth seriously considering.</p><p>You might also want to refinance if you need to tap your home equity—this can be done via a cash-out refinance, which typically requires that you have built up at least 20% equity in your home.&nbsp;&nbsp;</p><p>Refinancing can also help change your loan term or switch loan types, such as moving from an FHA loan to a conventional one to get rid of a lifetime mortgage insurance (MIP) requirement, or changing from an adjustable-rate mortgage (ARM) to a fixed-rate loan.</p><p>It can also be beneficial to refinance if you want to adjust your loan term. For instance, switching from a 15-year to a 30-year mortgage can provide smaller monthly payments, which might be more manageable if your financial situation has changed from when you took out the loan.</p><h2>Costs to refinance your mortgage</h2><p>Refinancing involves closing costs, typically ranging from 2% to 6% of the loan amount. For a $300,000 loan, costs might range from $6,000 to $18,000, for example. Some common costs include:</p><ul><li>Lender origination fees.</li><li>Appraisal fees.</li><li>Title search and insurance fees.</li><li>Loan application fees.</li><li>Survey fees.</li><li>Attorney fees (if required in your state).</li><li>Recording fees.</li><li>Prepayment penalties (if applicable with your existing lender).</li></ul><h2>Different types of mortgage refi loans</h2><p>Several types of refinance options exist, each suited to different goals:</p><ul><li><strong>Rate-and-term refinance:</strong>This is what you’re looking for when you seek to lower your interest rate or change your loan term—though be aware if you shorten your repayment term this will almost certainly result in higher monthly payments.</li><li><strong>Cash-out refinance:</strong>Leverage your home equity by paying off your existing loan and taking out a larger loan, while receiving the difference in cash.</li><li><strong>No-closing-cost refinance:</strong>The lender covers closing costs in exchange for a higher interest rate. This is a refi to approach with educated caution, but could be worthwhile in certain cases.&nbsp;</li><li><strong>Streamline refinance:</strong>Available for FHA, VA, and USDA loans, offering a simpler application process and oftentimes less paperwork.&nbsp;</li></ul><h2>Refinancing with your existing lender vs. a new one</h2><p>You’re not required to refinance with your original lender. Shopping around may help you find lower rates and possibly even better service.&nbsp;</p><p>But, some lenders offer incentives, such as waiving closing costs, for staying with them. So you should broach the topic of refinancing with your existing lender before you make a decision.&nbsp;</p><p>Lastly, know that if your mortgage has been purchased by Fannie Mae or Freddie Mac, you might be eligible for programs like Refi Now and Refi Possible.</p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Current refi mortgage rates report for Dec. 3, 2025

<p>The current average refinance rate on a 30-year, fixed-rate home loan is 6.28%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.</p><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul>Ads by Money. We may be compensated if you click this ad.Ad<p><img src="https://cdn.accountdigital.net/Fsdkxc9vB9jwx_WZ20QT5QGZd9nw"></p><h2>Current refi rates data</h2><h3>Conventional mortgages</h3><table><tbody><tr><td>30-year</td><td>6.28%</td></tr><tr><td>20-year</td><td>6.54%</td></tr><tr><td>15-year</td><td>5.64%</td></tr><tr><td>10-year</td><td>5.42%</td></tr></tbody></table><h3>Jumbo mortgages</h3><table><tbody><tr><td>30-year</td><td>7.09%</td></tr><tr><td>15-year</td><td>6.25%</td></tr></tbody></table><h3>FHA loans</h3><table><tbody><tr><td>30-year</td><td>5.63%</td></tr><tr><td>15-year</td><td>5.25%</td></tr></tbody></table><h3>VA loans</h3><table><tbody><tr><td>30-year</td><td>5.80%</td></tr><tr><td>15-year</td><td>5.53%</td></tr></tbody></table><p>Note that<em>Fortune</em>reviewed the most recent Zillow data available as of Nov. 24.</p><h2>How mortgage refinancing works</h2><p>Mortgage refinancing involves replacing your existing home loan with a new one. Similar to your initial mortgage application, you’ll need to apply and meet lender criteria, including your credit profile, income verification, debt-to-income (DTI) ratio, and more.&nbsp;</p><p>This process typically results in a small hit to your credit score due to the hard inquiry, and there’s a risk of denial if you don’t meet the lender’s requirements.</p><h2>What’s happening with mortgage rates in the market?</h2><p>Some observers had hoped that mortgage interest rates would decrease following the Federal Reserve’s cuts to the federal funds rate late last year. However, mortgage rates remained stubbornly near the 7% mark for 30-year, fixed-rate loans nationwide.&nbsp;</p><p>Although rates dipped slightly toward the end of February, moving closer to 6.5%, they remain significantly higher than the pandemic-era lows in the range of 2% and 3%. As of the third quarter of 2024, 82.8% of homeowners with mortgages had rates below 6%, according to a Redfin report. That means a significant chunk of homeowners have been locked in, unwilling or unable to move or refinance with rates as high as they are currently.&nbsp;</p><p>Still, homeowners got some relief starting in late August and early September of 2025, when mortgage rates started trending downward ahead of the Sept. 16-17 Fed meeting. They dropped to a low not seen in almost a year, and the Fed delivered a much anticipated reduction of a quarter percentage point to the federal funds rate. The central bank followed up with a second cut of the same amount at its October meeting.</p><h2>When it might make sense to refinance your mortgage</h2><p>Refinancing isn’t free, so it’s crucial to weigh the costs before you apply for a refi.&nbsp;</p><p>A guideline you’ll often hear is that refinancing makes sense if you can secure a rate that’s a full percentage point lower than your current rate. For example, if you have a 7% loan, refinancing when you’re able to land a 6% rate could be a smart move to save on interest charges over the life of your loan.&nbsp;&nbsp;</p><p>You might also consider a cash-out refinance to tap into your home equity—which typically requires at least 20% equity in your home. Homeowners have significant flexibility to use the cash disbursement from such a refi however they please, as there aren’t generally restrictions on what you can do with the cash portion of a cash-out refi. For example, you’re free to invest those funds, use them to cover a down payment on a vacation home or rental property, or pay off credit card debt.&nbsp;</p><p>Refinancing can also allow you to change your loan term. For instance, someone originally took out a 15-year mortgage but finds their budget stretched may benefit from switching to a 30-year term for a smaller monthly payment.&nbsp;&nbsp;</p><p>And, refinancing can be a way to switch loan types, like moving from an FHA loan to a conventional one to get rid of your FHA loan’s lifetime mortgage insurance (MIP) requirement, or from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage.</p><h2>Costs to refinance your mortgage</h2><p>Refinancing involves closing costs, typically ranging from 2% to 6% of the loan amount. For a $300,000 loan, you might pay between $6,000 and $18,000, for example. Some common costs include:</p><ul><li>Lender origination fees.</li><li>Appraisal fees.</li><li>Title search and insurance fees.</li><li>Loan application fees.</li><li>Survey fees.</li><li>Attorney fees (if required in your state).</li><li>Recording fees.</li><li>Prepayment penalties (if applicable with your current loan).</li></ul><h2>Different types of mortgage refi loans</h2><p>There are a wide variety of mortgage refinance loans out there, and the right one for your needs will depend on your goals and what type of mortgage you currently have. Here are some common refi options:</p><ul><li><strong>Rate-and-term refinance:</strong>This is probably the most popular type of refi. It lets you lower your interest rate and/or change your loan term. Note if you opt for a shorter term, while that does typically earn you a lower rate and substantial lifetime interest savings, you’ll be stuck with higher monthly mortgage payments.</li><li><strong>Cash-out refinance:</strong>A cash-out refi taps your home’s equity by replacing your existing loan balance with a new, larger one and withdrawing the difference in cash. You can use the money for a wide variety of purposes, including home improvements, consolidating high-interest debt, or other financial goals.</li><li><strong>No-closing-cost refinance:</strong>With this type of refi, the lender covers closing costs in exchange for levying a higher interest rate. If you don’t have the cash on hand to pay for closing costs and could otherwise benefit from a refinance, this option might be worth evaluating.</li><li><strong>Streamline refinance:</strong>These refis are for existing FHA, VA and USDA loan borrowers, and generally involve less documentation plus offer a more straightforward application and approval process.</li></ul><h2>Refinancing with your existing lender vs. a new one</h2><p>You’re not obligated to refinance with your original lender, and shopping around can help you find the lowest interest rate available to you and perhaps the best service as well.&nbsp;</p><p>However, your existing lender might offer incentives, such as waiving closing costs, if you stay with them. So you should at least broach the topic with your current lender.</p><p>Also, know that if your mortgage has been purchased by Fannie Mae or Freddie Mac, you might be eligible for programs like Refi Now and Refi Possible.</p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Current refi mortgage rates report for Nov. 25, 2025

<p>The price of gold stood at $4,073 per ounce as of 9:10 a.m. Eastern Time on Nov. 21, 2025. This marks a $9 decrease compared to the same time yesterday and a $1,366 jump from a year prior.</p><table><thead><tr><th>Gold price per ounce</th><th>% Change</th></tr></thead><tbody><tr><th>Price of gold yesterday</th><td>$4,082</td><td>+0.22%</td></tr><tr><th>Price of gold 1 month ago</th><td>$4,208</td><td>+3.31%</td></tr><tr><th>Price of gold 1 year ago</th><td>$2,716</td><td>-33.32%</td></tr></tbody></table><table><tbody><tr><th>Price of gold yesterday</th></tr><tr><th>Gold price per ounce</th><td>$4,082</td></tr><tr><th>% Change</th><td>+0.22%</td></tr><tr><th>Price of gold 1 month ago</th></tr><tr><th>Gold price per ounce</th><td>$4,208</td></tr><tr><th>% Change</th><td>+3.31%</td></tr><tr><th>Price of gold 1 year ago</th></tr><tr><th>Gold price per ounce</th><td>$2,716</td></tr><tr><th>% Change</th><td>-33.32%</td></tr></tbody></table><p>For those seeking an investment that isn’t directly linked to inflation fluctuations, gold could be a suitable option. Historically, gold tends to appreciate over time. A gold IRA is one of the most popular ways to buy and hold gold, providing portfolio stability during turbulent markets. It’s also a practical solution for investors who prefer not to deal with the logistics of storing physical gold bullion.</p><h2><strong>Historical gold price chart</strong></h2><p>Gold isn’t always a guaranteed winner. In robust economic periods, equities can outperform both in the short and long run. From 1971 through 2024, the stock market’s average annual return was 10.7%, while gold’s was 7.9% over the same span.</p><p>Still, during periods of economic instability, gold is considered a safer, risk-averse asset. Many investors view it more as a store of value than as an investment like stocks or bonds.</p><h2><strong>What does “spot gold” mean?</strong></h2><p>The spot gold price refers to the immediate purchase or sale price of gold in an over-the-counter transaction. This metric helps investors gauge current demand and market trends. Put simply, a higher spot gold price signals stronger demand. Unlike futures contracts, the spot price is for instant delivery.</p><p>If the future price exceeds the spot price, this is known as contango, common in commodities with significant storage costs. If the futures price is below the spot price, the market is in backwardation.</p><p>Numerous factors can influence the spot price, causing it to fluctuate frequently. Prospective gold investors should be comfortable with this level of price volatility.</p><h2><strong>What is price spread in gold trading</strong>?</h2><p>A price spread is the gap between the price at which an asset can be purchased and the price at which it can be sold.</p><p>In gold trading, these are called the ask price (the cost to buy) and the bid price (the amount you’d receive selling). The bid price is always less than the ask price.</p><p>A narrower spread indicates a more liquid market. When the spread is tight, it suggests rising demand for gold.</p><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul><h2><strong>How to invest in gold</strong></h2><p>If your mind jumps to Scrooge McDuck diving into gold coins when you think of gold investment, that’s only partly accurate. While buying physical gold bars, coins, or jewelry is possible, gold is frequently traded via exchange-traded funds (ETFs).</p><p>James Taska, a fee-based financial advisor, notes, “There is a great debate as to whether paper gold is as useful as the physical. From a financial advisor’s viewpoint, it is much easier to rebalance a client’s allocation of gold if it is owned as an exchange-traded fund (ETF), and the spread when attempting to buy/sell gold can be quite variable and wide.”</p><p>Common gold investment options include:</p><ul><li><strong>Gold bars:</strong>Known as bullion, these are sold by weight (gram or ounce), with purity, weight, and manufacturer details stamped on the bar. Gold rounds are another form you may find bullion in.</li><li><strong>Gold coins:</strong>Collectibles like the American Gold Eagle often carry a premium over bars of equivalent weight due to their rarity and collectible status.</li><li><strong>Gold jewelry:</strong>Jewelry’s price usually exceeds its gold content value due to design and craftsmanship.</li><li><strong>Gold futures contracts:</strong>These allow investors to agree on a set price for gold at a future date, enabling speculation without physical delivery.</li><li><strong>Gold funds:</strong>Mutual funds or ETFs holding gold assets. Like other ETFs, their value fluctuates with the underlying holdings.</li></ul><h2><strong>Is it a good time to invest in gold?</strong></h2><p>Determining whether now is the optimal time to invest in gold is somewhat subjective. However, gold can help diversify portfolios and cushion against market swings.</p><p>Currently, gold remains a stable asset amid high market volatility. Prices have reached record levels, climbing over 25% since early 2025, driven by persistent inflation and economic uncertainty. Many experts recommend adding gold to diversify holdings.</p><h2><strong>Current precious metals prices</strong>as of 9:10 a.m. ET on Nov. 21, 2025</h2><table><thead><tr><th>Precious Metal</th><th>Price per ounce</th></tr></thead><tbody><tr><th>Gold</th><td>$4,073</td></tr><tr><th>Silver</th><td>$50</td></tr><tr><th>Platinum</th><td>$1,517</td></tr><tr><th>Palladium</th><td>$1,395</td></tr></tbody></table><table><tbody><tr><th>Gold</th></tr><tr><th>Price per ounce</th><td>$4,073</td></tr><tr><th>Silver</th></tr><tr><th>Price per ounce</th><td>$50</td></tr><tr><th>Platinum</th></tr><tr><th>Price per ounce</th><td>$1,517</td></tr><tr><th>Palladium</th></tr><tr><th>Price per ounce</th><td>$1,395</td></tr></tbody></table><p>Silver, platinum, and palladium are also popular portfolio additions. Gold is generally less volatile than silver, which can swing widely even within a single day. Silver’s industrial uses make it more sensitive to economic shifts.</p><p>Platinum and palladium behave similarly to silver. While these rare metals can add diversification, they tend to fluctuate more than gold.</p><h2><strong>The takeaway</strong></h2><p>The U.S. economy has experienced significant changes in recent years, with prolonged inflation taking a toll. Gold can act as an inflation hedge within a portfolio. Thanks to various acquisition methods, it’s a relatively accessible asset for investors, regardless of experience. Whether you choose a gold IRA or a more active investment account, gold can help achieve both short- and long-term financial goals.</p><h2><strong>Frequently asked questions</strong></h2><h3>What is the best way to own gold?</h3><p>Many investors prefer gold ETFs, which offer a managed selection of easily traded assets.</p><h3>Is gold a good investment?</h3><p>Gold is often chosen by those seeking portfolio diversification and inflation protection. There are many accessible ways to invest in gold.</p><h3>Should I buy gold coins or gold bars?</h3><p>Gold coins are considered collectibles and may have a higher value per ounce than bars. Their collectible and historical appeal can make them attractive to some investors. Additionally, U.S. minted coins can help safeguard buyers against counterfeit bars.</p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Current price of gold as of November 21, 2025

<p>As of 8:15 a.m. Eastern Time, silver traded at $58.79 per ounce. That’s up $1.19 from yesterday at this hour and represents a gain of more than $27 over the past 12 months.</p><table><thead><tr><th>Silver price per ounce</th><th>% Change</th></tr></thead><tbody><tr><th>Price of silver yesterday</th><td>$57.60</td><td>+2.06%</td></tr><tr><th>Price of silver 1 month ago</th><td>$48.70</td><td>+20.71%</td></tr><tr><th>Price of silver 1 year ago</th><td>$31.03</td><td>+89.46%</td></tr></tbody></table><table><tbody><tr><th>Price of silver yesterday</th></tr><tr><th>Silver price per ounce</th><td>$57.60</td></tr><tr><th>% Change</th><td>+2.06%</td></tr><tr><th>Price of silver 1 month ago</th></tr><tr><th>Silver price per ounce</th><td>$48.70</td></tr><tr><th>% Change</th><td>+20.71%</td></tr><tr><th>Price of silver 1 year ago</th></tr><tr><th>Silver price per ounce</th><td>$31.03</td></tr><tr><th>% Change</th><td>+89.46%</td></tr></tbody></table><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul><h2>Historical silver performance&nbsp;</h2><p>Silver is not typically a high-growth play. Historically, it trails other investment options, like stocks. From 1921 onward, silver has underperformed the S&amp;P 500 by about 96%. That means an equal sum invested in silver and stocks back then would now be worth 96% less in silver holdings than stocks.&nbsp;</p><p>Instead, silver is prized for its stability and its power to hedge against inflation. Often dubbed a “store of value,” it tends to sustain purchasing power when inflation climbs.&nbsp;</p><p>Compared with gold, silver prices generally swing more sharply due to industrial demand—solar equipment, healthcare devices, and more—whereas gold is almost purely a safe-haven asset.</p><h2>What does “spot silver” mean?&nbsp;</h2><p>“Spot silver” refers to the live market rate at which silver can be bought or sold instantly. That said, real-world buyers usually pay a premium over spot for markups, shipping, insurance, and other fees.&nbsp;</p><p>The spot price serves as a gauge of immediate market demand: a higher spot price means stronger buying interest.&nbsp;</p><h2>What is “price spread” in silver trading?&nbsp;</h2><p>The term “price spread” describes the difference between the buying (ask) and selling (bid) prices for silver. Here’s how those terms are defined.&nbsp;</p><ul><li><strong>Ask price:</strong>the cost to purchase silver.&nbsp;</li><li><strong>Bid price:</strong>the amount you receive when you sell silver.&nbsp;</li></ul><p>A narrower spread indicates high demand.&nbsp;</p><h2>How to invest in silver&nbsp;</h2><p>Silver exposure can be achieved through physical ownership or via silver-backed exchange-traded funds (ETFs). ETFs let you own a stake in a fund that holds silver, sparing you storage and insurance responsibilities.&nbsp;</p><p>Key silver investment options include:&nbsp;</p><ul><li><strong>Bullion bars and rounds.</strong>These are sold by weight and purity&nbsp;</li><li><strong>Government-minted silver coins.</strong>Iconic examples include American Silver Eagles and Canada’s Silver Maple Leafs, which often trade at premiums for their rarity and backing.&nbsp;</li><li><strong>Silver jewelry.</strong>Custom pieces that fetch prices above equal-purity bullion.&nbsp;</li><li><strong>Silver mining equities.</strong>Stocks in companies extracting silver, offering a sort of indirect investment in silver.&nbsp;</li></ul><p>On exchanges, bullion and coins must meet a minimum 99.9% purity. Lower-purity silver generally falls into collectible or industrial categories. Our guide to the best silver IRA companies provide more information on how to shrewdly invest in silver (and other precious metals).</p>#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; 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.sh-row-container { align-items: center !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer179 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer179 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer179 .sh-first-product .sh-btn__text, #qsWidgetContainer179 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer179 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer179 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }<h2>Is it a good time to invest in silver?&nbsp;</h2><p>Silver has surged nearly 25% in 2025, hitting its highest levels in over a decade.&nbsp;</p><p>Deciding whether to invest now depends on your unique attitude toward the market. If inflation is top of mind, adding precious metals can be prudent. Or, if you foresee rising industrial applications—such as electronics—demand could potentially push prices even higher.&nbsp;</p><h2>Current precious metals prices as of 8:15 a.m. ET on December 3, 2025</h2><table><thead><tr><th>Precious metal&nbsp;</th><th>Price per ounce</th></tr></thead><tbody><tr><th>Gold</th><td>$4,220.10</td></tr><tr><th>Silver</th><td>$58.79</td></tr><tr><th>Platinum</th><td>$1,638.70</td></tr><tr><th>Palladium</th><td>$1,461.89</td></tr></tbody></table><table><tbody><tr><th>Gold</th></tr><tr><th>Price per ounce</th><td>$4,220.10</td></tr><tr><th>Silver</th></tr><tr><th>Price per ounce</th><td>$58.79</td></tr><tr><th>Platinum</th></tr><tr><th>Price per ounce</th><td>$1,638.70</td></tr><tr><th>Palladium</th></tr><tr><th>Price per ounce</th><td>$1,461.89</td></tr></tbody></table><p>Gold remains the benchmark metal, while platinum and palladium exhibit volatility patterns similar to silver due to smaller market caps. Gold’s larger market makes it comparatively stable.</p><h3>Pro tip</h3><p>Looking for gold over silver? Explore our picks for the best gold IRA companies. &nbsp;</p><h2>The takeaway&nbsp;</h2><p>With economic volatility persistent in the current market, precious metals deserve at least a quick look. Silver’s 2025 performance has outshined gold’s, and many experts forecast the likelihood of seeing further upside, potentially pushing silver to record levels.&nbsp;</p><p>Silver’s lower entry cost compared with gold also makes it an accessible hedge. Whether through physical bullion, ETFs, or mining stocks, you can position yourself to benefit from anticipated silver demand.</p><h2>Frequently asked questions</h2><h3>What percentage of my portfolio should I allocate to silver?</h3><p>Many advisors suggest allocating no more than between 10% and 15% to silver, keeping total precious metal holdings under 20%.</p><h3>Can silver be held in an IRA?</h3><p>Yes—IRA-eligible silver coins and bars (99.9% pure) stored with an IRS-approved custodian qualify. Coins with lower silver content, such as pre-1965 U.S. coins that often have around 90% purity and are known as constitutional silver, aren’t permitted. But of course, silver coins and jewelry that doesn’t hit the 99.9% purity level can&nbsp;still be collected or worn outside of retirement accounts.</p><h3>What’s driving silver prices in 2025?&nbsp;</h3><p>Silver’s ascent this year reflects tight supplies and robust demand from both industrial users and investors.</p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Current price of silver as of Wednesday, December 3, 2025

Best high-yield savings account rates on Nov. 24, 2025: Earn up to 5.00% APY

<p>At 8:15 a.m. Eastern Time on Nov. 21, 2025, silver exchanged hands at $49.54 per ounce. That’s a $1.70 downtick from 24 hours ago but more than an $18 gain over the past year.</p><table><thead><tr><th>Silver price per ounce</th><th>% Change</th></tr></thead><tbody><tr><th>Price of silver yesterday</th><td>$51.24</td><td>-3.31%</td></tr><tr><th>Price of silver 1 month ago</th><td>$52.37</td><td>-5.40%</td></tr><tr><th>Price of silver 1 year ago</th><td>$30.79</td><td>+60.89%</td></tr></tbody></table><table><tbody><tr><th>Price of silver yesterday</th></tr><tr><th>Silver price per ounce</th><td>$51.24</td></tr><tr><th>% Change</th><td>-3.31%</td></tr><tr><th>Price of silver 1 month ago</th></tr><tr><th>Silver price per ounce</th><td>$52.37</td></tr><tr><th>% Change</th><td>-5.40%</td></tr><tr><th>Price of silver 1 year ago</th></tr><tr><th>Silver price per ounce</th><td>$30.79</td></tr><tr><th>% Change</th><td>+60.89%</td></tr></tbody></table><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li></ul><h2>Historical silver performance&nbsp;</h2><p>Examine historical data and you’ll see that long-term silver returns just can’t compare to stock market gains. Since 1921, silver has underperformed the S&amp;P 500 by roughly 96%. In other words, matching your investment equally between silver and stocks then would leave the silver portion approximately 96% lower in value today.</p><p>Silver’s strength lies in preservation of value—shielding you from inflation, in other words. Dubbed a “store of value,” it often holds purchasing power when inflation accelerates.</p><p>Silver is more price-sensitive than gold due to its industrial uses (electronics, medical gear, and more), whereas gold primarily serves as a safe-haven asset.</p><h2>What does “spot silver” mean?&nbsp;</h2><p>“Spot silver” is the live rate at which silver can theoretically be bought or sold instantly. Actual buyers typically pay above spot to cover markups, shipping, insurance, and other expenses.</p><p>The spot price is a real-time gauge of demand: A higher spot value points to stronger market interest.</p><h2>What is “price spread” in silver trading?&nbsp;</h2><p>The “price spread” is the gap between ask (buy) and bid (sell) prices. Here’s what those terms mean.&nbsp;</p><ul><li><strong>Ask price:</strong>what you pay to purchase silver.&nbsp;</li><li><strong>Bid price:</strong>what you receive when you sell.&nbsp;</li></ul><p>Narrow spreads indicate that silver is in high demand.&nbsp;</p>#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; 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.sh-row-container { align-items: center !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer179 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer179 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer179 .sh-first-product .sh-btn__text, #qsWidgetContainer179 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer179 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer179 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }<h2>How to invest in silver&nbsp;</h2><p>You can invest in silver physically or via ETFs. ETFs let you own shares in a fund backed by physical silver, relieving you of storage and insurance duties.&nbsp;</p><p>Some main silver investment forms include:&nbsp;</p><ul><li><strong>Bullion bars and rounds.</strong>Purchased by weight and purity.&nbsp;</li><li><strong>Minted coins.</strong>Government-issued currency like American Silver Eagles and Silver Maple Leafs, with added value as collectibles.&nbsp;</li><li><strong>Jewelry.</strong>Crafted items that trade at prices above bullion with identical purity.</li><li><strong>Mining stocks.</strong>Silver mining company shares that can provide an indirect investment route and help to limit your exposure to silver prices.&nbsp;</li></ul><p>On most trading platforms, silver bullion and coins must be 99.9% pure (the “three nines fine” standard) while lower-purity silver is classified as industrial or collectible. Read our guide to the best silver IRA companies for more tips to investing in precious metals.</p><h2>Is it a good time to invest in silver?&nbsp;</h2><p>Silver has rallied nearly 25% in 2025, climbing to decade-high territory.&nbsp;</p><p>Whether now is the right moment to buy comes down to your goals (and your intuition). Precious metals can hedge against inflation, and anticipated industrial demand—particularly in green technologies—may potentially further propel prices.&nbsp;</p><p>But don’t invest in silver expecting an outsized return.&nbsp;</p><h2>Current precious metals prices as of 8:15 a.m. ET on Nov. 21, 2025&nbsp;</h2><table><thead><tr><th>Precious metal&nbsp;</th><th>Price per ounce</th></tr></thead><tbody><tr><th>Gold</th><td>$4,064.63</td></tr><tr><th>Silver</th><td>$49.54</td></tr><tr><th>Platinum</th><td>$1,516.85</td></tr><tr><th>Palladium</th><td>$1,372.10</td></tr></tbody></table><table><tbody><tr><th>Gold</th></tr><tr><th>Price per ounce</th><td>$4,064.63</td></tr><tr><th>Silver</th></tr><tr><th>Price per ounce</th><td>$49.54</td></tr><tr><th>Platinum</th></tr><tr><th>Price per ounce</th><td>$1,516.85</td></tr><tr><th>Palladium</th></tr><tr><th>Price per ounce</th><td>$1,372.10</td></tr></tbody></table><p>When it comes to precious metals, gold remains the go-to safe haven. Platinum and palladium mirror silver’s volatility given their smaller markets. Gold’s larger market cap makes it comparatively steadier.</p><h3>Pro tip</h3><p>Thinking gold? See our guide to the best gold IRA companies.</p><h2>The takeaway&nbsp;</h2><p>In today’s volatile economy, precious metals deserve consideration for a place on your radar.</p><p>Silver’s 2025 gains have outpaced gold, and many analysts anticipate continued strength—expecting possible new highs for silver.</p><p>Finally, silver’s lower price point compared to gold makes it an approachable way for investors wanting to get started with precious metals. Whether you opt for physical metal, ETFs, or mining stocks, there are lots of paths to set yourself up for success looking toward the next silver upswing.</p><h2>Frequently asked questions</h2><h3>What percentage of my portfolio should I allocate to silver?</h3><p>Financial advisors typically recommend keeping no more than 10% to 15% in silver, with overall precious metals exposure capped at around 20%.</p><h3>Can silver be held in an IRA?</h3><p>Yes. IRA-eligible silver bars and coins (99.9% pure) held by an IRS-approved custodian qualify.</p><p>Junk or constitutional silver (minted pre-1965 and often having around 90% purity) isn’t IRA-eligible but still holds collectible value outside retirement accounts.</p><h3>What’s driving silver prices in 2025?&nbsp;</h3><p>Scarcity of supply and growing demand—from both industrial applications and investors—have likely fueled silver’s upward trajectory this year.&nbsp;</p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Current price of silver as of Friday, November 21, 2025

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<p>The average interest rate for a 30-year, fixed-rate conforming mortgage loan in the U.S. is 6.211%, according to data available from mortgage data company Optimal Blue. That’s up about 7 basis points from the most recent prior report, and up about 2 basis points from a week ago. Read on to compare average rates for a variety of conventional and government-backed mortgage types and see whether rates have increased or decreased.</p><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul><h2><strong>Current mortgage rates data:</strong></h2><h3><strong>30-year conventional</strong></h3><table><tbody><tr><td>Current rate</td><td>6.211%</td></tr><tr><td>One week ago</td><td>6.189%</td></tr><tr><td>One month ago</td><td>6.262%</td></tr></tbody></table><h3><strong><strong>30-year jumbo</strong></strong></h3><table><tbody><tr><td>Current rate</td><td>6.421%</td></tr><tr><td>One week ago</td><td>6.454%</td></tr><tr><td>One month ago</td><td>6.466%</td></tr></tbody></table><h3><strong><strong>30-year FHA</strong></strong></h3><table><tbody><tr><td>Current rate</td><td>5.992%</td></tr><tr><td>One week ago</td><td>6.029%</td></tr><tr><td>One month ago</td><td>6.125%</td></tr></tbody></table><h3><strong><strong>30-year VA</strong></strong></h3><table><tbody><tr><td>Current rate</td><td>5.825%</td></tr><tr><td>One week ago</td><td>5.841%</td></tr><tr><td>One month ago</td><td>5.893%</td></tr></tbody></table><h3><strong><strong>30-year USDA</strong></strong></h3><table><tbody><tr><td>Current rate</td><td>5.991%</td></tr><tr><td>One week ago</td><td>5.959%</td></tr><tr><td>One month ago</td><td>6.215%</td></tr></tbody></table><h3><strong><strong>15-year conventional</strong></strong></h3><table><tbody><tr><td>Current rate</td><td>5.475%</td></tr><tr><td>One week ago</td><td>5.424%</td></tr><tr><td>One month ago</td><td>5.534%</td></tr></tbody></table><p>Note that<em>Fortune</em>reviewed Optimal Blue’s latest available data on Dec. 2, with the numbers reflecting home loans locked in as of Dec. 1.&nbsp;</p><h2>What’s happening with mortgage rates in the market?</h2><p>If it seems that 30-year mortgage rates have been lingering near 7% for what feels like forever, that’s barely an exaggeration. Many thought that rates would decrease when the Federal Reserve initiated cuts to the federal funds rate last year, but that didn’t happen. There was a momentary decline before the September 2024 Fed meeting, but rates quickly jumped back up afterward.</p><p>Indeed, by January 2025 the average rate on a 30-year, fixed-rate mortgage surpassed 7% for the first time since last May, as reported by Freddie Mac data. That’s jarringly high compared to the historic average low of 2.65% recorded in January 2021, when the government was still working to stimulate the economy and avert a pandemic-induced economic slump.</p><p>Short of another widespread disaster, experts agree we won’t encounter mortgage rates in the 2% to 3% range during our lifetimes. And, with President Donald Trump pursuing policies like tariffs and deportations, some observers have worried the labor market could contract and inflation could resurge.</p><p>Against this backdrop, U.S. homebuyers have long grappled with high mortgage rates—though some can could find ways to make their purchase more economical such as negotiating rate buydowns with a builder when acquiring newly constructed property. Homebuyers finally got more substantial relief starting in late August 2025. Rates trended noticeably downward ahead of the Fed’s September meeting and inched downward leading into the October meeting.</p><p>As expected, the Fed delivered a rate cut of a quarter percentage point to the federal funds rate in September, and followed up with a quarter percentage point cut in October as well. There’s one more Fed meeting on the calendar for December, so an additional cut is possible (though far from certain) at that point.</p><h2>How to get the best mortgage rate you can</h2><p>While economic conditions are beyond your control, your financial profile as an applicant also has a substantial impact on the mortgage rate you’re offered. With that in mind, aim to do the following:</p><ul><li><strong>Ensure your credit is in excellent condition.</strong>The minimum credit score for a conventional mortgage is generally 620 (for FHA loans, you may qualify with a score of 580 or a score as low as 500 with a 10% down payment). However, if you’re hoping to get a low rate that could potentially save you five or even six figures in interest over the life of your loan, you’ll want a score considerably higher. For instance, lender Blue Water Mortgage notes that a score of 740 or higher is considered top tier.</li><li><strong>Maintain a low debt-to-income (DTI) ratio.</strong>You can calculate your DTI by dividing your monthly debt payments by your gross monthly income, then multiplying by 100. For example, someone with a $3,000 monthly income and $750 in monthly debt payments has a 25% DTI. When applying for a mortgage, it’s typically best to have a DTI of 36% or below, though you may be approved with a DTI as high as 43%.</li><li><strong>Get prequalified with multiple lenders.</strong>Consider trying a mix of large banks, local credit unions, and online lenders and comparing offers. Additionally, connecting with loan officers at several different institutions can help you evaluate what you’re looking for in a lender and which one will best meet your needs. Just ensure that when you’re comparing rates, you’re doing so on common ground—if one estimate involves purchasing mortgage discount points and another doesn’t, it’s important to recognize there’s an upfront cost for buying down your rate with points.</li></ul><h2>Mortgage interest rates historical chart</h2><p>An important element of context for the discussion about high mortgage rates is that rates around 7% feel high because rates between 2% and 3% are fresh in consumers’ minds. Those rates were possible due to government action aimed at preventing recession as the country grappled with the unprecedented coronavirus pandemic.</p><p>However, under more normal economic conditions, experts agree we’re unlikely to see such exceptionally low interest rates again. Historically, rates in the vicinity of 7% are not unusually high.</p><p>Consider this St. Louis Fed (FRED) chart tracking Freddie Mac data on the 30-year, fixed-rate mortgage average. From the 1970s through the 1990s, such rates were more or less the norm, with a significant spike in the early 1980s. In fact, September, October, and November of 1981 all saw mortgage interest rates exceeding 18%.</p><p><img src="https://cdn.accountdigital.net/Fk_qojIw8TZQPXwhI7EI_0B_MGol"></p><p>That said, this historical perspective offers little consolation to homeowners who may want to move but are locked in with a once-in-a-lifetime low interest rate. Such situations are common enough in the current market that low pandemic-era rates keeping homeowners from moving when they otherwise would have become known as the “golden handcuffs.”</p><h2>Factors that impact mortgage interest rates</h2><p>The state of the U.S. economy is probably the main thing that affects mortgage rates. If lenders think inflation is on the horizon, they’ll likely raise rates to protect their ability to turn a profit.&nbsp;</p><p>Another key issue in the grand scheme of things is the national debt. When the government has to borrow to cover its spending, that exerts upward pressure on interest rates.</p><p>The demand for home loans is important too. If mortgage applications are scarce, lenders might lower rates to drum up business. But if loans are in high demand, they may raise interest rates to cover their costs.</p><p>And, the Federal Reserve’s decisions play a role too. The Fed can impact mortgage rates by changing the federal funds rate and by how it manages its balance sheet. The federal funds rate probably gets the most attention between these two. When it changes, mortgage rates often follow. But remember, the Fed doesn’t set mortgage rates directly, and they don’t always move exactly with the fed funds rate.</p><p>The Fed also influences interest rates on long-term financial products through its balance sheet. In tough economic times, it can buy assets like mortgage-backed securities (MBS) to boost the economy. Previously, the Fed was letting its balance sheet shrink, not replacing assets as they mature. This tends to push rates up. But this policy, known as quantitative tightening, ended as of December 2025.</p><h2>Why it’s important to compare mortgage rates</h2><p>Comparing rates on different types of loans and shopping around with various lenders are both crucial steps in obtaining the best mortgage for your situation.</p><p>If your credit is excellent, opting for a conventional mortgage might be a great choice for you. However, if your score is below 600, an FHA loan may provide an opportunity that a conventional loan would not.</p><p>When it comes to exploring your options with different banks, credit unions, and online lenders, it can make a significant difference in what you pay each year. Freddie Mac research indicates that in a market with high interest rates, homebuyers may be able to save $600 to $1,200 annually if they apply with multiple mortgage lenders.</p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Current mortgage rates report for Dec. 3, 2025: Rates fluctuate slightly upward

<p>At 9:50 a.m. Eastern Time on Nov. 26, 2025, gold was valued at $4,151 per ounce. That’s a $30 uptick from yesterday morning and about a $1,515 gain over the past year.</p><table><thead><tr><th>Gold price per ounce</th><th>% Change</th></tr></thead><tbody><tr><th>Price of gold yesterday</th><td>$4,121</td><td>-0.72%</td></tr><tr><th>Price of gold 1 month ago</th><td>$3,982</td><td>-4.07%</td></tr><tr><th>Price of gold 1 year ago</th><td>$2,636</td><td>-36.50%</td></tr></tbody></table><table><tbody><tr><th>Price of gold yesterday</th></tr><tr><th>Gold price per ounce</th><td>$4,121</td></tr><tr><th>% Change</th><td>-0.72%</td></tr><tr><th>Price of gold 1 month ago</th></tr><tr><th>Gold price per ounce</th><td>$3,982</td></tr><tr><th>% Change</th><td>-4.07%</td></tr><tr><th>Price of gold 1 year ago</th></tr><tr><th>Gold price per ounce</th><td>$2,636</td></tr><tr><th>% Change</th><td>-36.50%</td></tr></tbody></table><p>If you want an investment that isn’t directly impacted by inflation variance, gold may fit the bill. Gold has a long-term record of appreciating in value. One of the more common ways of buying and holding gold is a gold IRA. It’s also a practical choice for those who want to avoid the cost and burden of storing physical gold.</p><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul><h2><strong>Historical gold price chart</strong></h2><p>Gold doesn’t outperform traditional stocks in every financial situation. In strong economic climates, stocks can deliver higher returns over both short and long periods. From 1971 to 2024, stocks averaged 10.7% in annual returns, while gold averaged 7.9%.</p><p>But in uncertain economic times, gold is seen as a safe, risk-averse asset. That’s why many people view it more as a store of value than a typical investment like stocks or bonds.</p><h2><strong>What does “spot gold” mean?</strong></h2><p>The spot gold price is the rate for immediate transactions when buying gold over-the-counter. This figure helps investors track real-time demand and trends. Simply put, a higher spot price reflects greater demand. Unlike futures, the spot price is for instant settlement.</p><p>When the future price is above the spot price, it’s called contango, which is common for commodities with high storage costs. If the futures price is below the spot price, it’s known as backwardation.</p><p>Many factors can affect the spot price, causing frequent changes. Active gold investors need to be prepared for this volatility.</p><h2><strong>What is price spread in gold trading</strong>?</h2><p>A price spread is the difference between the buying and selling price of an asset.</p><p>In gold trading, the ask price is what you pay to buy, and the bid price is what you receive when selling. The bid is always lower than the ask.</p><p>A smaller spread means the market is more liquid. When spreads are tight, it suggests strong demand for gold.</p><h2><strong>How to invest in gold</strong></h2><p>If you picture gold investing as diving into a pile of coins, you’re only half right. While you can buy physical bars, coins, or jewelry, gold is often traded as exchange-traded funds (ETFs).</p><p>Popular gold investment options include:</p><ul><li><strong>Gold bars:</strong>Also called bullion, sold by weight, with purity and manufacturer details stamped on the bar. Gold rounds are essentially the same, with the only notable difference being the shape of the bullion.&nbsp;</li><li><strong>Gold coins:</strong>Collectible coins like the American Gold Eagle, often priced higher than bars of the same weight due to rarity.</li><li><strong>Gold jewelry:</strong>Priced above gold content for design and craftsmanship.</li><li><strong>Gold futures contracts:</strong>Agreements to buy gold at a set price in the future, allowing speculation without handling the physical metal.</li><li><strong>Gold funds:</strong>Mutual funds or ETFs invested in gold assets, with values tied to the underlying portfolio.</li></ul><h2><strong>Is it a good time to invest in gold?</strong></h2><p>Whether now is the best time to invest in gold is open to interpretation. Still, adding gold can help diversify your portfolio and reduce market volatility.</p><p>Gold remains a steady asset in an unpredictable market. Prices have soared to all-time highs, up over 25% since the beginning of 2025, fueled by inflation and uncertainty. Many experts suggest this is a good time to diversify with gold.</p><h2>Current precious metals prices as of 9:50 a.m. ET on Nov. 26, 2025</h2><table><thead><tr><th>Precious Metal</th><th>Price per ounce</th></tr></thead><tbody><tr><th>Gold</th><td>$4,151</td></tr><tr><th>Silver</th><td>$52</td></tr><tr><th>Platinum</th><td>$1,566</td></tr><tr><th>Palladium</th><td>$1,411</td></tr></tbody></table><table><tbody><tr><th>Gold</th></tr><tr><th>Price per ounce</th><td>$4,151</td></tr><tr><th>Silver</th></tr><tr><th>Price per ounce</th><td>$52</td></tr><tr><th>Platinum</th></tr><tr><th>Price per ounce</th><td>$1,566</td></tr><tr><th>Palladium</th></tr><tr><th>Price per ounce</th><td>$1,411</td></tr></tbody></table><p>Silver, platinum, and palladium are also favored by investors. Gold is generally less volatile than silver, which can fluctuate widely in a single day. Silver’s industrial uses make it more responsive to economic changes.</p><p>Platinum and palladium act similarly to silver. 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font-weight: 600; } }<h2><strong>The takeaway</strong></h2><p>The U.S. economy has been unsettled, with ongoing inflation having a significant impact. Gold can serve as an inflation hedge in your portfolio. Thanks to various purchase methods, it’s a relatively accessible asset for most investors. Whether you invest through a gold IRA or a more hands-on account, gold can help you reach both short- and long-term financial targets.</p><h2><strong>Frequently asked questions</strong></h2><h3>What is the best way to own gold?</h3><p>Many investors choose gold ETFs, which offer a managed portfolio of easily traded assets.</p><h3>Is gold a good investment?</h3><p>Gold is often a solid choice for those seeking diversification and protection from inflation. There are many accessible ways to invest.</p><h3>Should I buy gold coins or gold bars?</h3><p>Gold coins are collectibles and may be valued higher per ounce than bars. Their collectible and historic value can appeal to some investors. U.S. minted coins can also help guard against counterfeit bars.</p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Current price of gold as of November 26, 2025

Current price of silver as of Monday, December 1, 2025

Best savings account bonuses for December 2025

<p>The average interest rate for a 30-year, fixed-rate conforming mortgage loan in the U.S. is 6.169%, according to data available from mortgage data company Optimal Blue. That’s down 2 basis points from the prior day’s report, and down about 6 basis points from a week ago. Read on to compare average rates for a variety of conventional and government-backed mortgage types and see whether rates have increased or decreased.</p><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul><h2><strong>Current mortgage rates data:</strong></h2><h3><strong>30-year conventional</strong></h3><table><tbody><tr><td>Current rate</td><td>6.169%</td></tr><tr><td>One week ago</td><td>6.230%</td></tr><tr><td>One month ago</td><td>6.155%</td></tr></tbody></table><h3><strong><strong>30-year jumbo</strong></strong></h3><table><tbody><tr><td>Current rate</td><td>6.453%</td></tr><tr><td>One week ago</td><td>6.501%</td></tr><tr><td>One month ago</td><td>6.531%</td></tr></tbody></table><h3><strong><strong>30-year FHA</strong></strong></h3><table><tbody><tr><td>Current rate</td><td>5.978%</td></tr><tr><td>One week ago</td><td>6.104%</td></tr><tr><td>One month ago</td><td>6.114%</td></tr></tbody></table><h3><strong><strong>30-year VA</strong></strong></h3><table><tbody><tr><td>Current rate</td><td>5.766%</td></tr><tr><td>One week ago</td><td>5.933%</td></tr><tr><td>One month ago</td><td>5.726%</td></tr></tbody></table><h3><strong><strong>30-year USDA</strong></strong></h3><table><tbody><tr><td>Current rate</td><td>6.073%</td></tr><tr><td>One week ago</td><td>6.137%</td></tr><tr><td>One month ago</td><td>5.999%</td></tr></tbody></table><h3><strong><strong>15-year conventional</strong></strong></h3><table><tbody><tr><td>Current rate</td><td>5.424%</td></tr><tr><td>One week ago</td><td>5.457%</td></tr><tr><td>One month ago</td><td>5.389%</td></tr></tbody></table><p>Note that<em>Fortune</em>reviewed Optimal Blue’s latest available data on Nov. 26, with the numbers reflecting home loans locked in as of Nov. 25.</p><h2>What’s happening with mortgage rates in the market?</h2><p>If it appears 30-year mortgage rates have been stuck on the brink of 7% for an eternity, that impression is not too far off from reality. Many watching the market expected rates to decrease when the Federal Reserve began reducing the federal funds rate last September, but that hope did not materialize. There was a brief decline leading up to the September 2024 Fed meeting, but rates swiftly increased afterward.</p><p>In fact, by January 2025 the average rate for a 30-year, fixed-rate mortgage passed 7% for the first time since last May, according to Freddie Mac figures. That’s considerably higher than the historic average low of 2.65% witnessed in January 2021, when the government was still attempting to boost the economy and prevent a pandemic-induced recession.</p><p>Barring another catastrophe, experts agree we won’t see mortgage rates in the 2% to 3% range in our lifetimes. And, with President Donald Trump’s pursuit of policies such as tariffs and deportations, some analysts have long feared the labor market could tighten and inflation could reignite. Against that backdrop, U.S. homebuyers have faced high mortgage rates for some time—though some found ways to make their purchase more affordable, such as negotiating rate buydowns with a builder when buying newly constructed housing.</p><p>Would-be homebuyers did get some relief beginning in late August and early September of 2025, and continuing through October. Mortgage interest rates trended notably downward, falling closer to 6%—for 30-year, fixed-rate conforming loans—leading up to the Fed’s meeting in September. The Fed delivered a quarter percentage point rate cut to the federal funds rate at that meeting, and another cut of the same amount when it met in October.</p><p>While the fed funds rate and mortgage interest rates don’t move in tandem 100% of the time, it’s often true that the market adjusts ahead of expected action by the central bank.</p><h2>How to get the best mortgage rate you can</h2><p>While economic conditions are out of your control, your financial profile as an applicant also has a major impact on how low a mortgage rate you’re offered. With that in mind, strive to do the following:</p><ul><li><strong>Ensure your credit is in excellent shape.</strong>The minimum credit score to get a conventional mortgage is generally 620 (for FHA loans, you may be able to qualify with a score of 580 or a score as low as 500 and a 10% down payment). But, if you’re hoping to get a low rate that could potentially save you five or even six figures in interest over the life of your loan, you’ll want a score quite a bit higher. For example, lender Blue Water Mortgage notes that a score of at least 740 is considered top tier.</li><li><strong>Keep your debt-to-income (DTI) ratio low.</strong>You can calculate your DTI by dividing your monthly debt payments by your gross monthly income, then multiplying by 100. For example, someone with a $3,000 monthly income and $750 in monthly debt payments has a 25% DTI. It’s typically best when applying for a mortgage to have a DTI of 36% or below, though you may get approved with a DTI as high as 43%</li><li><strong>Get prequalified with multiple lenders.</strong>You may wish to try a mix of large banks, local credit unions, and online lenders and compare offers. Plus, getting connected with loan officers at several different institutions can help you evaluate what you’re looking for in a lender and which one will be best able to meet your needs. Just make sure when you’re comparing rates that you’re doing it in a way that’s apples to apples—if one estimate relies on you purchasing mortgage discount points and another does not, it’s important to understand there’s an upfront cost for buying down your rate with points.</li></ul><h2>Mortgage interest rates historical chart</h2><p>An important piece of context to the discussion surrounding high mortgage rates is that recent rates in the ballpark of 7% feel high because of the not-too-distant memory of rates in the range of 2% to 3%. Those rates were possible as the federal government took virtually unprecedented action trying to prevent recession as the country battled a global pandemic.</p><p>However, under more typical economic conditions, experts agree we’re unlikely to see such dramatically low interest rates again. And, historically, rates in the vicinity of 7% are not abnormally high.</p><p>Consider this St. Louis Fed (FRED) chart tracking Freddie Mac data on the 30-year, fixed-rate mortgage average. From the 1970s through the 1990s, such rates were more or less the norm, with a massive spike in the early 1980s. In fact, September, October, and November of 1981 all saw mortgage interest rates above 18%.</p><p><img src="https://cdn.accountdigital.net/Fk_qojIw8TZQPXwhI7EI_0B_MGol"></p><p>Still, that historical context is scant comfort for homeowners who may want to move but are locked in with a once-in-a-lifetime low interest rate. Such situations are common enough in the current market that low pandemic-era rates keeping homeowners put when they’d otherwise move have become known as the “golden handcuffs.”</p><h2>Factors that impact mortgage interest rates</h2><p>The state of the U.S. economy may well be the biggest thing impacting mortgage rates. If lenders are worried about inflation, they can hike rates to protect their future earnings. And, the national debt is another big factor. When the government has to borrow large sums to cover its spending, that can push interest rates higher.</p><p>Demand for home loans plays a big role too. If not many consumers are seeking loans, lenders might cut rates to attract borrowers. But if demand is high, they might raise rates to cover the costs of handling more loans.</p><p>The Federal Reserve’s actions are also crucial. The Fed can influence mortgage rates both by adjusting the federal funds rate and by managing its balance sheet.</p><p>That first factor, the federal funds rate, gets a lot of coverage in the media. When the Fed hikes or cuts it, mortgage rates often follow. But keep in mind, the Fed doesn’t set mortgage rates directly, and they don’t always move in perfect step with the fed funds rate.</p><p>The Fed also impacts rates on long-term financial products like mortgages via its balance sheet. During economic downturns, the central bank can buy assets like mortgage-backed securities (MBS) to inject money into the economy.</p><p>But recently, the Fed has been trimming its balance sheet, letting assets mature without buying new ones. This tends to push interest rates up. So while everyone watches for federal funds rate decisions, what the Fed does with its balance sheet might matter even more for your mortgage rate.</p><h2>Why it’s important to compare mortgage rates</h2><p>Comparing rates on different types of loans and shopping around with different lenders are both important steps in getting the best mortgage for your situation.</p><p>If your credit is in stellar shape, opting for a conventional mortgage could very well be the best choice for you. But, if your score is sub-600, an FHA loan may give you a chance a conventional loan would not.</p><p>When it comes to shopping around with different banks, credit unions, and online lenders, it can make a tangible difference in how much you pay. Freddie Mac research shows that in a market with high interest rates, homebuyers may be able to save $600 to $1,200 annually if they apply with multiple mortgage lenders.</p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Current mortgage rates report for Nov. 27, 2025: Rates tick slightly down again

<p>The price of gold was trading at $4,082 per ounce as of 9:55 a.m. Eastern Time as of November 24, 2025. That’s an $11 increase compared to the day before and about a $1,456 increase from a year ago.&nbsp;</p><table><thead><tr><th>Gold price per ounce</th><th>% Change</th></tr></thead><tbody><tr><th>Price of gold yesterday</th><td>$4,071</td><td>-0.27%</td></tr><tr><th>Price of gold 1 month ago</th><td>$4,107</td><td>+0.61%</td></tr><tr><th>Price of gold 1 year ago</th><td>$2,626</td><td>-35.67%</td></tr></tbody></table><table><tbody><tr><th>Price of gold yesterday</th></tr><tr><th>Gold price per ounce</th><td>$4,071</td></tr><tr><th>% Change</th><td>-0.27%</td></tr><tr><th>Price of gold 1 month ago</th></tr><tr><th>Gold price per ounce</th><td>$4,107</td></tr><tr><th>% Change</th><td>+0.61%</td></tr><tr><th>Price of gold 1 year ago</th></tr><tr><th>Gold price per ounce</th><td>$2,626</td></tr><tr><th>% Change</th><td>-35.67%</td></tr></tbody></table><p>If you’re looking for an investment that is not tied directly to the variance of inflation, gold may be the right choice. In general, gold as an asset is typically expected to increase in value over time. One of the most common ways to purchase and manage gold is through a gold IRA, which can serve as a steadying force in a portfolio amid volatile markets. This may also be a good choice for those who want to invest in gold without the challenge of having to make storage arrangements for physical gold bullion.</p><h2><strong>Historical gold price chart</strong></h2><p>Gold is not always a home run investment. In a strong economy, stocks can perform better in the short and long term. From 1971 to 2024, the stock market delivered average annual returns of 10.7%. Gold delivered an average annual return of 7.9% over the same period.</p><p>However, during times of economic uncertainty, gold is a solid option as a risk-averse investment. For this reason, some may prefer to think of it as a store of value as opposed to an investment in the way that stocks and bonds are.</p><h2><strong>What does “spot gold” mean?</strong></h2><p>The spot gold price is the price to buy or sell gold immediately in an over-the-counter trade. This is an effective way for investors to monitor the demands and trends of gold investment at that time. Simply stated, a higher spot gold price means there is higher demand for gold in the marketplace. Notably, unlike futures contracts, the spot price is for an immediate sale.&nbsp;&nbsp;</p><p>When the future price is higher than the spot price, it is called contango. This is common when investing in commodities that have a high storage cost. When the futures price is lower than the spot price, it is called backwardation.</p><p>There are plenty of different factors that can impact the spot price, which is why that figure is constantly shifting up and down. Those looking to invest in gold need to be able to deal with this level of price fluctuation.</p><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul><h2><strong>What is price spread in gold trading</strong>?</h2><p>A price spread is the difference between an asset’s offered purchase price vs. the price offered to sell it.&nbsp;</p><p>Similarly, in gold investing, the two key terms are ask price and bid price. The ask price is how much it costs to buy the gold, while the bid price is how much it can be sold for. Bid prices are always lower than ask prices.</p><p>The lower the spread between these two prices, the more liquid the market is. If there is a relatively small spread, that means the demand for gold is on the rise.</p><h2><strong>How to invest in gold</strong></h2><p>If investing in gold immediately leads to an image of Scrooge McDuck olympic diving into a pile of coins, that’s only half right. While there are opportunities to buy physical gold bars, coins or jewelry, gold is often traded as exchange-traded funds (ETF).</p><p>James Taska, a fee-based financial advisor, said, “There is a great debate as to whether paper gold is as useful as the physical. From a financial advisor’s viewpoint, it is much easier to rebalance a client’s allocation of gold if it is owned as an exchange-traded fund (ETF), and the spread when attempting to buy/sell gold can be quite variable and wide.”&nbsp;</p><p>Some of the most common ways to invest in gold include:</p><ul><li><strong>Gold bars:</strong>Often referred to as bullion, this is a popular gold investing method. Offered on a per gram or ounce basis, other qualities including purity, weight, and manufacturer are typically stamped on the face of the bar. Similarly, you may encounter gold rounds.</li><li><strong>Gold coins:</strong>These are collectible coins, such as the American Gold Eagle coin. These often are sold at a higher price than bars of the same weight because they are viewed as collectibles with limited availability in the marketplace.</li><li><strong>Gold jewelry:</strong>Jewelry typically comes with aesthetic, external and subjective value, so the price may be significantly higher than the standard weight value.&nbsp;</li><li><strong>Gold futures contracts:</strong>A futures contract states that the investor will buy a specified amount of gold for a defined price at a future date. Futures allow investors to speculate on the price of gold in the future without needing to handle the actual physical product.&nbsp;</li><li><strong>Gold funds:</strong>These are mutual funds or ETFs that own gold assets. Like other ETFs in a stock portfolio, you can purchase shares in gold funds or any other mutual fund investment, and their value fluctuates based on the changes in the underlying portfolio of assets.</li></ul><h2><strong>Is it a good time to invest in gold?</strong></h2><p>Ultimately, there is a relative subjectivity in determining if now is a better time to invest in gold compared to other periods. However, using gold as a way to diversify your existing portfolio can mitigate the impact of market volatility.</p><p>In the current economy, gold continues to offer stability in a highly volatile period for the stock market. Prices have risen to all-time highs, with the price rising over 25% since the start of 2025, fueled by ongoing inflation and economic uncertainty. Many experts agree this is a good time to diversify your portfolio with gold.</p><h2>Current precious metals prices as of 9:55 a.m. ET on November 24, 2025</h2><table><thead><tr><th>Precious Metal</th><th>Price per ounce</th></tr></thead><tbody><tr><th>Gold</th><td>$4,082</td></tr><tr><th>Silver</th><td>$50</td></tr><tr><th>Platinum</th><td>$1,534</td></tr><tr><th>Palladium</th><td>$1,391</td></tr></tbody></table><table><tbody><tr><th>Gold</th></tr><tr><th>Price per ounce</th><td>$4,082</td></tr><tr><th>Silver</th></tr><tr><th>Price per ounce</th><td>$50</td></tr><tr><th>Platinum</th></tr><tr><th>Price per ounce</th><td>$1,534</td></tr><tr><th>Palladium</th></tr><tr><th>Price per ounce</th><td>$1,391</td></tr></tbody></table><p>Silver, platinum, and palladium are popular precious metals that investors can hold in portfolios in addition to gold. Gold is typically less volatile than silver, which can have a large price range even within a 24-hour period. Additionally, because silver is a more common resource used across different industries, it is more sensitive to external economic changes.</p><p>Platinum and palladium are in the same boat as silver. 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font-weight: 600; } }<h2><strong>The takeaway</strong></h2><p>The U.S. economy has been in flux for several years now, and the current period of extended inflation has had a major impact. Gold can serve as an inflationary hedge in an investor’s portfolio. Additionally, because of the variance of acquisition methods, gold can be a relatively easy asset to accumulate based on an investor’s comfort level and interest. Whether you purchase gold as an IRA or as a more active investment account, investing in gold may help achieve both short- and long-term investment objectives.</p><h2><strong>Frequently asked questions</strong></h2><h3>What is the best way to own gold?</h3><p>Many investors are buying gold via ETFs, which allows for a managed portfolio of easily traded assets.</p><h3>Is gold a good investment?</h3><p>Gold is often a good investment for investors looking to diversify their portfolio and get a hedge against inflation. There are many ways to buy gold, making it easy to access the investment.</p><h3>Should I buy gold coins or gold bars?</h3><p>Gold coins are considered collectibles and may have a higher value for the weight of gold compared to a bar. Collectible and historical significance can make coins a more attractive asset to some investors. Additionally, U.S. minted coins might help protect investors from the risk of getting fake bars.</p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Current price of gold as of November 24, 2025

<p>It’s still a good time to earn a great return on a certificate of deposit, just don’t wait to take action. After declining in 2024 as the Federal Reserve cut rates, average CD yields stabilized in early 2025 thanks to the central bank hitting pause on more rate changes for several months. However, the Fed finally took action with its first rate cut of 2025 after meeting Sept. 16-17, then made a second cut in October.</p><p>The best CD rates yield up to 4.20% annual percentage yield. If you choose to open an account today, you could lock in high rates for years, depending on the term that best meets your financial goals. Experts expect the Fed may cut rates again when it meets in December, so don’t wait to invest.</p>ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered by<h4>Best CD Rates for December 9, 2025</h4>ZIP Code Deposit Amount $Min. Term Length 6 months<ul><li>1 months</li><li>6 months</li><li>1 year</li><li>18 months</li><li>2 years</li><li>3 years</li></ul>Max. Term Length 3 years<ul><li>6 months</li><li>1 year</li><li>18 months</li><li>2 years</li><li>3 years</li><li>4 years</li><li>5 years</li><li>6 years</li></ul>FEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...<ul><li><p><img src="https://cdn.accountdigital.net/FncDjWggzbQFuUDnrhU8-N9tl2qW"></p>4.25 %<p>December 9, 2025</p>2yr$ 1000$ 1063<p>Over 1 Year</p>2 years cd AccountUnited Fidelity BankMember FDIC<p>QUICK LOOK<br></p></li><li><p><img src="https://cdn.accountdigital.net/FqN7h0hFu0Weda1bAp34DiN44tvQ"></p>4.20 %<p>December 2, 2025</p>6mo$ 1000$ 1050<p>Over 1 Year</p>6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILS<p>QUICK LOOK<br>Limelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.</p>READ BANK REVIEW</li><li><p><img src="https://cdn.accountdigital.net/Fg7zumrXFl0AfFAvTgMJ26axNM6E"></p>4.15 %<p>December 2, 2025</p>9mo$ 500$ 1038<p>Over 1 Year</p>9 Mo CD cd AccountM.Y. Safra BankMember FDICOFFER DETAILS<p>QUICK LOOK<br>M.Y. Safra Bank is an FDIC-insured institution with just one branch in New York City and also offers strictly online accounts. It provides a full range of personal and business deposit products as well as loans and lines of credit. Its online-only CDs offer the most attractive rates the bank has to offer, but its savings and money market accounts also offer decent yields.</p>READ BANK REVIEW</li></ul><ul><li>1</li><li>2</li><li>3</li><li>4</li><li>5</li><li>...</li><li>160</li></ul><h2>Best CD rates Nov. 24, 2025: Earn up to 4.20%</h2><p>The highest CD rate of 4.20% is offered by Newtek Bank on its six-month CD.<em>Fortune</em>monitors the top rates offered by leading U.S. financial institutions to help readers obtain the best possible return on their CD investments. Here are the best rates on the market:</p><h3>Pro tip</h3><p>Looking for the best CD to fit your investment needs? See rates from top institutions:<br>–Wells Fargo<br>–Capital One<br>–Chase<br>–Bank of America<br>–Discover Bank<br>–Northern Bank Direct<br>–Ally Bank<br>–Newtek Bank<br>–Popular Direct<br>–Citibank<br>–Sallie Mae Bank</p><h3>Compare CD rates at top national banks</h3><p>If you’re unfamiliar with most of the names mentioned above, there’s a straightforward reason why: CDs typically don’t yield substantial income for major financial institutions by themselves.&nbsp;</p><p>Established banks like Chase, PNC, and U.S. Bank prioritize attracting customers through more profitable products like loans and credit cards, rather than CDs. Consequently, the APYs offered on CDs at these banks are often much lower compared to those available at smaller regional banks or online institutions and to get a good rate, you may be required to open other deposit accounts or deposit much higher minimums.</p><h2>CD rates news 2025</h2><p>Investors should understand that average CD rates closely track Fed monetary policy decisions, specifically changes to the fed funds rate. It’s essential for CD investors to follow the ebb and flow of the central bank’s policy decisions to plan for changes in rates.</p><p>The federal funds rate currently stands at 3.75%-4.00%.</p><p>Last year, the Fed cut interest rates three times, leaving fed funds at 4.25%-4.50% as of December 2024. High inflation left over from the post-pandemic period was cooling off, and the FOMC reduced rates to help the economy stay on track. CD APYs fell from two-decade highs as the Fed cut rates.</p><p>With the Fed making its first cut of 2025 at the Sept. 16-17 meeting and a second at the Oct. 28-29 meeting, CD rates have again shown signs of dipping. It’s possible they could decrease further if the central bank moves forward with a third cut when it meets in December. The next FOMC meeting is on the calendar for Dec. 9-10.</p><p>Those 20-year highs in CD yields were the result of the central bank’s rate hike campaign of 2022 and 2023. Inflation was rising at its highest rate since the early 1980s, thanks to the economic disruptions of the pandemic. Between March 2022 and July 2023, the FOMC raised interest rates 11 times, from zero to 5.25%-5.50%, to help tame inflation.</p><p>Just remember, CD rates today aren’t far from their recent highs. You still have the opportunity to secure advantageous rates on both short-term and long-term CDs. By depositing a larger lump sum into your CD, you can earn substantial interest.</p><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul><h2>Historical CD rates</h2><p>In the early 1980s, CD rates hit double digits thanks to surging inflation and high interest rates. But by 2019, the APY for a 5-year CD hovered slightly above 3.00%.&nbsp;</p><p>Until the early 2020s, top rates generally remained below 1.00% APY. In recent times, we experienced a period of increasing rates, with the best offerings exceeding 5.00% APY for 1-year CDs.</p><h2>How to get a good CD rate</h2><p>Determining what a good CD rate looks like is subjective. It depends on how much money you have to invest, how long you can leave it locked up in a certificate, and what prevailing market rates are when you intend to open an account.</p><p>For instance, a 5.00% APY CD over five years might not be the right choice if you need liquidity sooner or if rates rise, leaving you with a lower return. Generally, rates above the national average are advantageous. Compare rates across banks for your desired term to find the best option.</p><p>Key factors to evaluate when comparing CDs include minimum balance requirements, available terms, offered interest rates (typically higher at online banks), penalties for early withdrawals, and any associated fees. Opting for a bank rather than a broker might help avoid unnecessary fees.</p><p>Consider these factors:</p><ul><li><strong>Term length:</strong>Ensure they match your savings goals.</li><li><strong>APY:</strong>Higher rates are available for longer CD terms.</li><li><strong>Minimum deposit:</strong>Ensure you can meet minimum deposit requirements.</li><li><strong>Penalties:</strong>Understand early withdrawal costs, in case you need to withdraw money before a CD matures.</li><li><strong>Deposit insurance:</strong>Always verify that your bank or credit union of choice has Federal Deposit Insurance Corp. (FDIC) or National Credit Union Administration (NCUA) coverage.</li></ul><h3>Look into offerings from online banks</h3><p>Online banks and fintechs typically offer better rates than national banks. Large financial institutions primarily generate revenue through interest earned on loans, fees, and investments in securities.&nbsp;</p><p>In contrast, smaller banks and online fintech companies actively attract new customers by offering competitive APYs on deposit accounts. Moreover, online banks typically have lower overhead costs, allowing them to pass on better rates to their clientele.</p><h3>Set up a CD ladder</h3><p>CD ladders suit savers hesitant to lock funds for long terms. Splitting savings across CDs with varying maturities offers a blend of short-term access and higher long-term rates.&nbsp;</p><p>For example, if you begin by investing $3,000 in three staggered CDs (1-year, 2-year, and 3-year), then as each matures you reinvest the money in a 3-year CD. With this plan, you get access to your money (plus the interest you’ve earned) every year.&nbsp;</p>#qsWidgetContainer176, #qsWidgetContainer176 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer176 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer176 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer176 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer176 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer176 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer176 .listing { background-color: #fff; 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font-weight: 600; } }<h2>Types of certificates of deposit</h2><p>Various CD types cater to different needs, such as:</p><ul><li><strong>Brokered CDs</strong>are bought and sold via brokerage accounts rather than banks or credit unions. They are typically issued by banks and sold to brokerages, which offer them to customers at higher APYs compared to conventional CDs.</li><li><strong>Callable CDs</strong>include a call feature allowing the issuing financial institution to end the CD before its maturity. Upon such a call, investors retain their principal along with any accrued interest up to that point.</li><li><strong>Bump-up CDs</strong>allow you to request a higher APY if interest rates increase after you’ve opened your account. Generally, you can adjust the rate on your CD once or twice during its term.</li><li><strong>No-penalty CDs</strong>do not impose penalties for withdrawing funds before maturity. They are less prevalent than other CD varieties and may also feature lower APYs compared to traditional CDs.</li><li><strong>Jumbo CDs</strong>usually require a minimum initial deposit of at least $100,000 but generally provide higher APYs than standard CDs.</li><li><strong>Variable-rate CDs offer</strong>changing APYs that are indexed to prevailing interest rates. They carry higher risk compared to traditional CDs because a decrease in interest rates before maturity can lead to a lower yield.</li></ul><p><em>Series on daily CD rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan.</em></p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Earn up to 4.20% APY. Here are the best CD rates, Nov. 24, 2025

<p>While the bulk of homebuyers choose fixed-rate mortgages, there are cases where you might want to look closely at an adjustable-rate mortgage instead. For example, ARMs can be a smart option for folks buying a property to rent out or flip, or intending to move within a few years—meaning you’d move before the ARM’s introductory fixed-rate period ends and adjustments begin.</p><p>Read on and we’ll explain how an ARM works, when you might want to consider an ARM over a fixed-rate loan, and look at current ARM rates from a few top lenders.</p><p>You can see the previous business day’s ARM rates report here.</p><h2>Average ARM mortgage rates</h2><p>Fortune reviewed the most recent data available as of Dec. 5. These are sample rates provided by the institutions. Each one is based off specific assumptions about a hypothetical borrower’s credit profile and location. Estimates may include an assumption of mortgage discount points. If you choose to apply, know that the rate you receive may vary from the sample rates shown here.</p><table><thead><tr><th>Bank of America 7/6 ARM</th><th>U.S. Bank 7/6 ARM</th><th>Zillow Home Loans 7/6 ARM</th></tr></thead><tbody><tr><th><strong>Interest Rate</strong></th><td>5.625%</td><td>5.875%</td><td>6.250%</td></tr><tr><th><strong>APR</strong></th><td>6.384%</td><td>6.471%</td><td>6.677%</td></tr></tbody></table><table><tbody><tr><th><strong>Interest Rate</strong></th></tr><tr><th>Bank of America 7/6 ARM</th><td>5.625%</td></tr><tr><th>U.S. Bank 7/6 ARM</th><td>5.875%</td></tr><tr><th>Zillow Home Loans 7/6 ARM</th><td>6.250%</td></tr><tr><th><strong>APR</strong></th></tr><tr><th>Bank of America 7/6 ARM</th><td>6.384%</td></tr><tr><th>U.S. Bank 7/6 ARM</th><td>6.471%</td></tr><tr><th>Zillow Home Loans 7/6 ARM</th><td>6.677%</td></tr></tbody></table><p>A 7/6 ARM is one with a fixed rate for seven years, then adjustment periods every six months.</p><h2>Fixed-rate vs. adjustable-rate mortgages</h2><p>About 92% of households with mortgages have fixed-rate home loans. Unlike ARMs, where the interest rate can fluctuate after an initial fixed-rate period, your rate is the same for the life of the loan when you have a fixed-rate mortgage. It’s easy to see why that’s a popular option.</p><p>However, ARMs can make sense in certain situations. In other words, you might find you’re among the roughly 8% of mortgage holders who decide this type of loan offers an opportunity.&nbsp;</p><h3>When you might consider an adjustable-rate mortgage</h3><p>Here are three categories of homebuyer for whom ARMs can be helpful:</p><ul><li><strong>Buyers of temporary or “starter homes.”</strong>If you’re fairly confident you won’t be in your home for long, an ARM might be a strategic choice since you can take advantage of the low fixed-period interest rate and then sell the home before the adjustment period hits.&nbsp;</li><li><strong>Investors.</strong>Many real estate investors like ARMs for a similar reason. They may secure a low interest rate upfront, and as the adjustment period approaches in three, five, or seven years, can adjust the rent to reflect the new mortgage payment or flip the property and buy the next one.&nbsp;</li><li><strong>Buyers during periods of high interest rates.</strong>Finally, many buyers go out on a limb with an adjustable-rate mortgage during periods of high interest since it’s more likely to offer a lower rate upfront andon the back end, assuming things cool off by the time your fixed period expires.&nbsp;&nbsp;</li></ul><h3>Pro tip</h3><p>Saving up for a down payment? Make sure you have a high-yield savings account.</p><h2>How adjustable-rate mortgages work</h2><p>ARMs typically start off with a low, fixed interest rate for a set period of time—such as three, five, seven or 10 years—and after the “fixed period” expires, the “adjustment period” begins.&nbsp;</p><p>Here’s where things get interesting. During the adjustment period, the interest rate on your ARM can fluctuate based on several key factors, including:&nbsp;</p><ul><li><strong>Benchmark rates.</strong>ARMs commonly get their base interest rate from a benchmark called the Secured Overnight Financing Rate (SOFR). The U.S. Treasury publishes a new SOFR each morning as a way to tell banks and lenders “hey, here’s the cost of borrowing cash today.” That, in turn, helps lenders set market-appropriate interest rates for various products from auto loans to mortgages.&nbsp;</li><li><strong>Margins.</strong>The margin is a fixed percentage that your lender adds to the index to come up with your ARM interest rate. So if you have an ARM tied to the SOFR and the SOFR is 5% while your margin is 2%, your ARM rate will be 7%. Margins typically range between 2% and 3.5% and can vary based on the lender, loan and your creditworthiness. Margins are also set in stone as part of the loan agreement, so it’s best to shop around to see which lenders can offer more competitive margins.&nbsp;</li><li><strong>Rate caps.</strong>Finally, rate caps put a limit on how much your rate can rise throughout the course of the loan. “Initial” adjustment caps control how much the rate can rise the first time, “subsequent” adjustment caps dictate how it can rise after the initial cap, and “lifetime” adjustment caps put a limit on how much your interest rate can increase in total.&nbsp;</li></ul><p>The most common ARM length may be the 5/1, meaning the loan has a fixed interest rate for five years, and once that expires, the interest rate will start changing every one year for 25 years (most ARMs have 30-year terms).&nbsp;</p><p>Another common ARM length is the 10/6, meaning you’ll have a 10-year fixed period and a 20-year adjustment period during which the interest rate will change every six months. You may also see 3/1 ARMs, 7/1 ARMs and 10/1 ARMs.&nbsp;</p><p><strong>Learn more:</strong>Why the Secured Overnight Financing Rate might matter for your mortgage.</p><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul><h2>Refinancing from an ARM to a fixed-rate mortgage</h2><p>Sometimes, even if it was advantageous to buy your property using an ARM, you eventually realize a fixed-rate mortgage would be preferable looking ahead. For instance, maybe you’ve decided your first home is going to be a long-term home after all. You’re not alone if that’s the situation—research from 2024 found that a substantial number of Millennial and Gen Z homeowners can’t afford to upgrade and are making do with their starter homes.</p><p>Regardless of the specific reason, know that it is possible to refi from an ARM to a fixed-rate mortgage. In fact, it’s probably a fairly common reason for ARM holders to refinance.&nbsp;&nbsp;</p><p>Refinancing from an ARM to a fixed-rate mortgage isn’t rocket science, and works pretty much like refinancing from fixed-to-fixed. You’ll apply with multiple lenders to find the best rates, provide the necessary documentation, close on your new loan and pay your old loan in full.</p><h2>Pros and cons of adjustable-rate mortgages</h2><p>Like any other mortgage type, ARMs come with a mix of pros and cons. While your lender can ultimately decide which mortgage type is right for you, knowing the basics can help you budget and navigate the early steps of the process:&nbsp;</p><p>N/A</p><h3>Pros</h3><ul><li><strong>Possibility for a lower interest rate upfront.</strong>Lenders typically offer lower interest rates for ARMs than fixed-rate mortgages during the initial (aka fixed) period.&nbsp;</li><li><strong>Lower borrower requirements.</strong>Because monthly payments start out lower, many lenders may ease requirements for ARM borrowers compared to fixed-rate borrowers (e.g. potentially accepting borrowers with 50% DTI).&nbsp;</li><li><strong>Monthly payments may decrease.</strong>If interest rates drop between now and when your fixed period ends, you may find yourself paying an even lower monthly payment.&nbsp;</li></ul><h3>Cons</h3><ul><li><strong>But, monthly payments may go up.</strong>Once your fixed rate expires, your interest rate can rise as high as the lifetime cap allows (often up to 5 percentage points higher than your starting rate). To illustrate, if the interest rate on a $400,000 principal rose from 7% to 12% overnight, the monthly payment would rise from something like $2,661 to around $4,114—a leap of $1,453, or 54.6% to put it another way.</li><li><strong>Difficult to rate shop.</strong>When discount points are removed from the equation, fixed-rate mortgage offers from Lenders No. 1 and No. 2 will be relatively easy to compare apples to apples. ARMs, however, have numerous moving parts and it can be difficult to find the right deal upfront.&nbsp;</li><li><strong>Less peace of mind.</strong>Even as the cost of taxes and insurance rises, fixed-rate borrowers have the peace of mind knowing that their fundamental mortgage payment will never change. ARM borrowers may enjoy lower rates upfront and possibly lower rates long term, but they won’t enjoy that long-term sense of stability.</li></ul><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Current ARM mortgage rates report for Dec. 3, 2025

Ivy Bank review 2025: Top-tier savings account APY

<p>At 10 a.m. Eastern Time on December 3, 2025, gold was valued at $4,224 per ounce. That’s the same price from the same time yesterday and $1,575 gain over the past year.</p><table><thead><tr><th>Gold price per ounce</th><th>% Change</th></tr></thead><tbody><tr><th>Price of gold yesterday</th><td>$4,224</td><td>0%</td></tr><tr><th>Price of gold 1 month ago</th><td>$3,887</td><td>-7.98%</td></tr><tr><th>Price of gold 1 year ago</th><td>$2,649</td><td>-37.29%</td></tr></tbody></table><table><tbody><tr><th>Price of gold yesterday</th></tr><tr><th>Gold price per ounce</th><td>$4,224</td></tr><tr><th>% Change</th><td>0%</td></tr><tr><th>Price of gold 1 month ago</th></tr><tr><th>Gold price per ounce</th><td>$3,887</td></tr><tr><th>% Change</th><td>-7.98%</td></tr><tr><th>Price of gold 1 year ago</th></tr><tr><th>Gold price per ounce</th><td>$2,649</td></tr><tr><th>% Change</th><td>-37.29%</td></tr></tbody></table><p>If you want an investment that isn’t directly impacted by inflation variance, gold may fit the bill. Gold has a long-term record of appreciating in value. One of the more common ways of buying and holding gold is a gold IRA. It’s also a practical choice for those who want to avoid the cost and burden of storing physical gold.</p><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul><h2><strong>Historical gold price chart</strong></h2><p>Gold doesn’t outperform traditional stocks in every financial situation. In strong economic climates, stocks can deliver higher returns over both short and long periods. From 1971 to 2024, stocks averaged 10.7% in annual returns, while gold averaged 7.9%.</p><p>But in uncertain economic times, gold is seen as a safe, risk-averse asset. That’s why many people view it more as a store of value than a typical investment like stocks or bonds.</p><h2><strong>What does “spot gold” mean?</strong></h2><p>The spot gold price is the rate for immediate transactions when buying gold over-the-counter. This figure helps investors track real-time demand and trends. Simply put, a higher spot price reflects greater demand. Unlike futures, the spot price is for instant settlement.</p><p>When the future price is above the spot price, it’s called contango, which is common for commodities with high storage costs. If the futures price is below the spot price, it’s known as backwardation.</p><p>Many factors can affect the spot price, causing frequent changes. Active gold investors need to be prepared for this volatility.</p><h2><strong>What is price spread in gold trading</strong>?</h2><p>A price spread is the difference between the buying and selling price of an asset.</p><p>In gold trading, the ask price is what you pay to buy, and the bid price is what you receive when selling. The bid is always lower than the ask.</p><p>A smaller spread means the market is more liquid. When spreads are tight, it suggests strong demand for gold.</p><h2><strong>How to invest in gold</strong></h2><p>If you picture gold investing as diving into a pile of coins, you’re only half right. While you can buy physical bars, coins, or jewelry, gold is often traded as exchange-traded funds (ETFs).</p><p>Popular gold investment options include:</p><ul><li><strong>Gold bars:</strong>Also called bullion, sold by weight, with purity and manufacturer details stamped on the bar. Gold rounds are essentially the same, with the only notable difference being the shape of the bullion.&nbsp;</li><li><strong>Gold coins:</strong>Collectible coins like the American Gold Eagle, often priced higher than bars of the same weight due to rarity.</li><li><strong>Gold jewelry:</strong>Priced above gold content for design and craftsmanship.</li><li><strong>Gold futures contracts:</strong>Agreements to buy gold at a set price in the future, allowing speculation without handling the physical metal.</li><li><strong>Gold funds:</strong>Mutual funds or ETFs invested in gold assets, with values tied to the underlying portfolio.</li></ul><h2><strong>Is it a good time to invest in gold?</strong></h2><p>Whether now is the best time to invest in gold is open to interpretation. Still, adding gold can help diversify your portfolio and reduce market volatility.</p><p>Gold remains a steady asset in an unpredictable market. Prices have soared to all-time highs, up over 25% since the beginning of 2025, fueled by inflation and uncertainty. Many experts suggest this is a good time to diversify with gold.</p><h2><strong>Current precious metals prices</strong>as of 9:10 a.m. ET on December 3, 2025</h2><table><thead><tr><th>Precious Metal</th><th>Price per ounce</th></tr></thead><tbody><tr><th>Gold</th><td>$4,224</td></tr><tr><th>Silver</th><td>$58</td></tr><tr><th>Platinum</th><td>$1,638</td></tr><tr><th>Palladium</th><td>$1,448</td></tr></tbody></table><table><tbody><tr><th>Gold</th></tr><tr><th>Price per ounce</th><td>$4,224</td></tr><tr><th>Silver</th></tr><tr><th>Price per ounce</th><td>$58</td></tr><tr><th>Platinum</th></tr><tr><th>Price per ounce</th><td>$1,638</td></tr><tr><th>Palladium</th></tr><tr><th>Price per ounce</th><td>$1,448</td></tr></tbody></table><p>Silver, platinum, and palladium are also favored by investors. Gold is generally less volatile than silver, which can fluctuate widely in a single day. Silver’s industrial uses make it more responsive to economic changes.</p><p>Platinum and palladium act similarly to silver. 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font-weight: 600; } }<h2><strong>The takeaway</strong></h2><p>The U.S. economy has been unsettled, with ongoing inflation having a significant impact. Gold can serve as an inflation hedge in your portfolio. Thanks to various purchase methods, it’s a relatively accessible asset for most investors. Whether you invest through a gold IRA or a more hands-on account, gold can help you reach both short- and long-term financial targets.</p><h2><strong>Frequently asked questions</strong></h2><h3>What is the best way to own gold?</h3><p>Many investors choose gold ETFs, which offer a managed portfolio of easily traded assets.</p><h3>Is gold a good investment?</h3><p>Gold is often a solid choice for those seeking diversification and protection from inflation. There are many accessible ways to invest.</p><h3>Should I buy gold coins or gold bars?</h3><p>Gold coins are collectibles and may be valued higher per ounce than bars. Their collectible and historic value can appeal to some investors. U.S. minted coins can also help guard against counterfeit bars.</p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Current price of gold as of December 3, 2025

<p>The current average refinance rate on a 30-year, fixed-rate home loan is X.XX%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.</p><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul><h2>Current refi rates data</h2><h3>Conventional mortgages</h3><table><tbody><tr><td>30-year</td><td>6.28%</td></tr><tr><td>20-year</td><td>6.19%</td></tr><tr><td>15-year</td><td>5.56%</td></tr><tr><td>10-year</td><td>5.75%</td></tr></tbody></table><h3>Jumbo mortgages</h3><table><tbody><tr><td>30-year</td><td>7.00%</td></tr><tr><td>15-year</td><td>6.88%</td></tr></tbody></table><h3>FHA loans</h3><table><tbody><tr><td>30-year</td><td>5.80%</td></tr><tr><td>15-year</td><td>4.63%</td></tr></tbody></table><h3>VA loans</h3><table><tbody><tr><td>30-year</td><td>5.61%</td></tr><tr><td>15-year</td><td>5.41%</td></tr></tbody></table><p>Note that<em>Fortune</em>reviewed the most recent Zillow data available as of Dec. 1.</p><h2>How mortgage refinancing works</h2><p>Mortgage refinancing involves replacing your existing home loan with a new one. Similar to your initial mortgage application, you’ll need to apply and meet lender criteria, including your credit profile, income verification, debt-to-income (DTI) ratio, and more.&nbsp;</p><p>This process typically results in a small hit to your credit score due to the hard inquiry, and there’s a risk of denial if you don’t meet the lender’s requirements.</p><h2>What’s happening with mortgage rates in the market?</h2><p>Some observers had hoped that mortgage interest rates would decrease following the Federal Reserve’s cuts to the federal funds rate late last year. However, mortgage rates remained stubbornly near the 7% mark for 30-year, fixed-rate loans nationwide.&nbsp;</p><p>Although rates dipped slightly toward the end of February, moving closer to 6.5%, they remain significantly higher than the pandemic-era lows in the range of 2% and 3%. As of the third quarter of 2024, 82.8% of homeowners with mortgages had rates below 6%, according to a Redfin report. That means a significant chunk of homeowners have been locked in, unwilling or unable to move or refinance with rates as high as they are currently.&nbsp;</p><p>Still, homeowners got some relief starting in late August and early September of 2025, when mortgage rates started trending downward ahead of the Sept. 16-17 Fed meeting. They dropped to a low not seen in almost a year, and the Fed delivered a much anticipated reduction of a quarter percentage point to the federal funds rate. The central bank followed up with a second cut of the same amount at its October meeting.</p><h2>When it might make sense to refinance your mortgage</h2><p>Refinancing isn’t free, so it’s crucial to weigh the costs before you apply for a refi.&nbsp;</p><p>A guideline you’ll often hear is that refinancing makes sense if you can secure a rate that’s a full percentage point lower than your current rate. For example, if you have a 7% loan, refinancing when you’re able to land a 6% rate could be a smart move to save on interest charges over the life of your loan.&nbsp;&nbsp;</p><p>You might also consider a cash-out refinance to tap into your home equity—which typically requires at least 20% equity in your home. Homeowners have significant flexibility to use the cash disbursement from such a refi however they please, as there aren’t generally restrictions on what you can do with the cash portion of a cash-out refi. For example, you’re free to invest those funds, use them to cover a down payment on a vacation home or rental property, or pay off credit card debt.&nbsp;</p><p>Refinancing can also allow you to change your loan term. For instance, someone originally took out a 15-year mortgage but finds their budget stretched may benefit from switching to a 30-year term for a smaller monthly payment.&nbsp;&nbsp;</p><p>And, refinancing can be a way to switch loan types, like moving from an FHA loan to a conventional one to get rid of your FHA loan’s lifetime mortgage insurance (MIP) requirement, or from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage.</p><h2>Costs to refinance your mortgage</h2><p>Refinancing involves closing costs, typically ranging from 2% to 6% of the loan amount. For a $300,000 loan, you might pay between $6,000 and $18,000, for example. Some common costs include:</p><ul><li>Lender origination fees.</li><li>Appraisal fees.</li><li>Title search and insurance fees.</li><li>Loan application fees.</li><li>Survey fees.</li><li>Attorney fees (if required in your state).</li><li>Recording fees.</li><li>Prepayment penalties (if applicable with your current loan).</li></ul><h2>Different types of mortgage refi loans</h2><p>There are a wide variety of mortgage refinance loans out there, and the right one for your needs will depend on your goals and what type of mortgage you currently have. Here are some common refi options:</p><ul><li><strong>Rate-and-term refinance:</strong>This is probably the most popular type of refi. It lets you lower your interest rate and/or change your loan term. Note if you opt for a shorter term, while that does typically earn you a lower rate and substantial lifetime interest savings, you’ll be stuck with higher monthly mortgage payments.</li><li><strong>Cash-out refinance:</strong>A cash-out refi taps your home’s equity by replacing your existing loan balance with a new, larger one and withdrawing the difference in cash. You can use the money for a wide variety of purposes, including home improvements, consolidating high-interest debt, or other financial goals.</li><li><strong>No-closing-cost refinance:</strong>With this type of refi, the lender covers closing costs in exchange for levying a higher interest rate. If you don’t have the cash on hand to pay for closing costs and could otherwise benefit from a refinance, this option might be worth evaluating.</li><li><strong>Streamline refinance:</strong>These refis are for existing FHA, VA and USDA loan borrowers, and generally involve less documentation plus offer a more straightforward application and approval process.</li></ul><h2>Refinancing with your existing lender vs. a new one</h2><p>You’re not obligated to refinance with your original lender, and shopping around can help you find the lowest interest rate available to you and perhaps the best service as well.&nbsp;</p><p>However, your existing lender might offer incentives, such as waiving closing costs, if you stay with them. So you should at least broach the topic with your current lender.</p><p>Also, know that if your mortgage has been purchased by Fannie Mae or Freddie Mac, you might be eligible for programs like Refi Now and Refi Possible.</p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Current refi mortgage rates report for Dec. 2, 2025

<p>At 8:15 a.m. Eastern Time on Nov. 25, 2025, silver stood at $51.41 per ounce. That marks a $1.15 increase from this time yesterday and more than a $21 rise compared with one year ago.</p><table><thead><tr><th>Silver price per ounce</th><th>% Change</th></tr></thead><tbody><tr><th>Price of silver yesterday</th><td>$50.26</td><td>+2.28%</td></tr><tr><th>Price of silver 1 month ago</th><td>$48.66</td><td>+5.65%</td></tr><tr><th>Price of silver 1 year ago</th><td>$30.30</td><td>+69.66%</td></tr></tbody></table><table><tbody><tr><th>Price of silver yesterday</th></tr><tr><th>Silver price per ounce</th><td>$50.26</td></tr><tr><th>% Change</th><td>+2.28%</td></tr><tr><th>Price of silver 1 month ago</th></tr><tr><th>Silver price per ounce</th><td>$48.66</td></tr><tr><th>% Change</th><td>+5.65%</td></tr><tr><th>Price of silver 1 year ago</th></tr><tr><th>Silver price per ounce</th><td>$30.30</td></tr><tr><th>% Change</th><td>+69.66%</td></tr></tbody></table><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li></ul><h2>Historical silver performance&nbsp;</h2><p>Silver isn’t a shortcut to quick wealth. Over extended periods, it lags traditional equities significantly. Since 1921, silver’s value has underperformed the S&amp;P 500 by roughly 96%. In practical terms, an equal investment split between silver and stocks back then would mean the silver portion would be worth something in the realm of 96% less than your stock.&nbsp;</p><p>However, silver is viewed as a relatively stable asset suited to preserve purchasing power. Often called a “store of value,” it generally holds up in inflationary environments. It can act as a buoy for your funds when inflation rises.&nbsp;</p><p>Compared with gold, silver exhibits more volatility. Gold’s primary role is as a value haven—whereas silver also serves many industrial uses. Because of this industrial demand, swings can have a more pronounced impact on silver’s pricing.</p><h2>What does “spot silver” mean?&nbsp;</h2><p>Simply put, the “spot silver” price reflects the rate at which silver can be bought or sold instantly. But in practice, you’ll usually pay above spot to cover markups, shipping, insurance, and other expenses.&nbsp;</p><p>Investors track the spot price as a benchmark for real-time demand and market trends. A higher spot rate shows elevated demand.</p><h2>What is “price spread” in silver trading?&nbsp;</h2><p>The “price spread” refers to the gap between silver’s purchase and sale prices. Key terms include:&nbsp;</p><ul><li><strong>Ask price.</strong>This refers to what you pay to acquire silver&nbsp;</li><li><strong>Bid price.</strong>This refers to what you receive when you sell silver&nbsp;</li></ul><p>As expected, the bid price sits below the ask price. A narrow spread indicates high demand for silver.&nbsp;</p><h2>How to invest in silver&nbsp;</h2><p>You have options if you’re looking to put your money in silver. Broadly, these can be categorized as physical ownership or silver exchange-traded funds (ETFs).&nbsp;</p><p>ETFs are more common and let you purchase shares in a fund that holds silver, removing the need to handle storage or insurance personally.&nbsp;</p><p>Common silver investments include:&nbsp;</p><ul><li><strong>Silver bullion.</strong>This includes bars or rounds sold by weight and purity.&nbsp;</li><li><strong>Silver coins.</strong>Think minted currency like American Silver Eagles or Silver Maple Leafs, often priced with a premium for rarity and government guarantee.&nbsp;</li><li><strong>Silver jewelry</strong>. Specifically, crafted pieces that are worth more than equivalent-purity bullion.&nbsp;</li><li><strong>Silver mining stocks.</strong>This type of investment refers to shares in companies that extract silver, giving you indirect exposure.&nbsp;</li></ul><p>On exchanges, silver bullion and coins must meet the “three nines fine” standard (99.9% purity). Anything less is generally treated as collectible or industrial grade.&nbsp;Read our post on the best silver IRA companies for more details on the best way to invest in precious metals.</p>#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; 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font-weight: 600; } }<h2>Is it a good time to invest in silver?&nbsp;</h2><p>In 2025, silver’s price has climbed nearly 25% year-to-date, reaching levels unseen in the past decade.&nbsp;</p><p>Whether it’s the right time to buy depends on your outlook. If inflation concerns weigh on you, precious metals can act as hedge. Likewise, anticipated surges in industrial demand—from renewable energy to electronics—could potentially fuel further gains.&nbsp;</p><h2>Current precious metals prices as of 8:15 a.m. ET on Nov. 25, 2025&nbsp;</h2><table><thead><tr><th>Precious metal&nbsp;</th><th>Price per ounce</th></tr></thead><tbody><tr><th>Gold</th><td>$4,145.70</td></tr><tr><th>Silver</th><td>$51.41</td></tr><tr><th>Platinum</th><td>$1,557.70</td></tr><tr><th>Palladium</th><td>$1,395.65</td></tr></tbody></table><table><tbody><tr><th>Gold</th></tr><tr><th>Price per ounce</th><td>$4,145.70</td></tr><tr><th>Silver</th></tr><tr><th>Price per ounce</th><td>$51.41</td></tr><tr><th>Platinum</th></tr><tr><th>Price per ounce</th><td>$1,557.70</td></tr><tr><th>Palladium</th></tr><tr><th>Price per ounce</th><td>$1,395.65</td></tr></tbody></table><p>Gold, platinum, and palladium are still very popular with investors. Platinum and palladium often mirror silver’s volatility; their smaller markets magnify price swings. Gold, by contrast, tends to be the least volatile of the four.</p><h3>Pro tip</h3><p>Prefer gold? Check out our list of the best gold IRA companies.</p><h2>The takeaway&nbsp;</h2><p>With ongoing economic uncertainty, precious metals are worth considering. Silver’s 2025 performance has outpaced gold’s, and many analysts predict the likelihood of further upside—potentially driving silver to record highs.&nbsp;</p><p>Given its affordability relative to gold, silver is an accessible entry point into the world of precious metal investing. Whether you choose physical coins and bars, ETFs, or mining stocks, you can set yourself up to benefit from the next silver rally.</p><h2>Frequently asked questions</h2><h3>What percentage of my portfolio should I allocate to silver?</h3><p>Advisors generally recommend allocating not more than 10% to 15% to silver, keeping total precious-metals exposure at or below 20%.</p><h3>Can silver be held in an IRA?</h3><p>Yes, you use your IRA to invest in IRA-approved silver products, such as coins and bars. The silver must be 99.9% pure and stored with an IRS-approved custodian. This means constitutional or junk silver, referring to coins minted in the U.S. prior to 1965 and containing a substantial silver content (often around 90%), are not eligible to include in a silver IRA.&nbsp;</p><p>That said, silver that doesn’t meet this purity threshold can still be a smart investment in jewelry or coins with numismatic value—you just can’t use funds from your IRA to buy it.</p><h3>What’s driving silver prices in 2025?&nbsp;</h3><p>A mix of constrained supply and rising industrial demand, plus investor demand, has pushed silver prices higher this year.&nbsp;</p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Current price of silver as of Tuesday, November 25, 2025

<p>The average interest rate for a 30-year, fixed-rate conforming mortgage loan in the U.S. is 6.189%, according to data available from mortgage data company Optimal Blue. That’s down about 3 basis points from the prior day’s report, and down about 6 basis points from a week ago. Read on to compare average rates for a variety of conventional and government-backed mortgage types and see whether rates have increased or decreased.</p><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul><h2><strong>Current mortgage rates data:</strong></h2><h3><strong>30-year conventional</strong></h3><table><tbody><tr><td>Current rate</td><td>6.189%</td></tr><tr><td>One week ago</td><td>6.249%</td></tr><tr><td>One month ago</td><td>6.167%</td></tr></tbody></table><h3><strong><strong>30-year jumbo</strong></strong></h3><table><tbody><tr><td>Current rate</td><td>6.454%</td></tr><tr><td>One week ago</td><td>6.628%</td></tr><tr><td>One month ago</td><td>6.310%</td></tr></tbody></table><h3><strong><strong>30-year FHA</strong></strong></h3><table><tbody><tr><td>Current rate</td><td>6.029%</td></tr><tr><td>One week ago</td><td>6.089%</td></tr><tr><td>One month ago</td><td>6.033%</td></tr></tbody></table><h3><strong><strong>30-year VA</strong></strong></h3><table><tbody><tr><td>Current rate</td><td>5.841%</td></tr><tr><td>One week ago</td><td>5.960%</td></tr><tr><td>One month ago</td><td>5.748%</td></tr></tbody></table><h3><strong><strong>30-year USDA</strong></strong></h3><table><tbody><tr><td>Current rate</td><td>5.959%</td></tr><tr><td>One week ago</td><td>6.088%</td></tr><tr><td>One month ago</td><td>6.044%</td></tr></tbody></table><h3><strong><strong>15-year conventional</strong></strong></h3><table><tbody><tr><td>Current rate</td><td>5.424%</td></tr><tr><td>One week ago</td><td>5.529%</td></tr><tr><td>One month ago</td><td>5.415%</td></tr></tbody></table><p>Note that<em>Fortune</em>reviewed Optimal Blue’s latest available data on Nov. 25, with the numbers reflecting home loans locked in as of Nov. 24.&nbsp;</p><h2>What’s happening with mortgage rates in the market?</h2><p>If it seems that 30-year mortgage rates have been lingering near 7% for what feels like forever, that’s barely an exaggeration. Many thought that rates would decrease when the Federal Reserve initiated cuts to the federal funds rate last year, but that didn’t happen. There was a momentary decline before the September 2024 Fed meeting, but rates quickly jumped back up afterward.</p><p>Indeed, by January 2025 the average rate on a 30-year, fixed-rate mortgage surpassed 7% for the first time since last May, as reported by Freddie Mac data. That’s jarringly high compared to the historic average low of 2.65% recorded in January 2021, when the government was still working to stimulate the economy and avert a pandemic-induced economic slump.</p><p>Short of another widespread disaster, experts agree we won’t encounter mortgage rates in the 2% to 3% range during our lifetimes. And, with President Donald Trump pursuing policies like tariffs and deportations, some observers have worried the labor market could contract and inflation could resurge.</p><p>Against this backdrop, U.S. homebuyers have long grappled with high mortgage rates—though some can could find ways to make their purchase more economical such as negotiating rate buydowns with a builder when acquiring newly constructed property. Homebuyers finally got more substantial relief starting in late August 2025. Rates trended noticeably downward ahead of the Fed’s September meeting and inched downward leading into the October meeting.</p><p>As expected, the Fed delivered a rate cut of a quarter percentage point to the federal funds rate in September, and followed up with a quarter percentage point cut in October as well. There’s one more Fed meeting on the calendar for December, so an additional cut is possible (though far from certain) at that point.</p><h2>How to get the best mortgage rate you can</h2><p>While economic conditions are beyond your control, your financial profile as an applicant also has a substantial impact on the mortgage rate you’re offered. With that in mind, aim to do the following:</p><ul><li><strong>Ensure your credit is in excellent condition.</strong>The minimum credit score for a conventional mortgage is generally 620 (for FHA loans, you may qualify with a score of 580 or a score as low as 500 with a 10% down payment). However, if you’re hoping to get a low rate that could potentially save you five or even six figures in interest over the life of your loan, you’ll want a score considerably higher. For instance, lender Blue Water Mortgage notes that a score of 740 or higher is considered top tier.</li><li><strong>Maintain a low debt-to-income (DTI) ratio.</strong>You can calculate your DTI by dividing your monthly debt payments by your gross monthly income, then multiplying by 100. For example, someone with a $3,000 monthly income and $750 in monthly debt payments has a 25% DTI. When applying for a mortgage, it’s typically best to have a DTI of 36% or below, though you may be approved with a DTI as high as 43%.</li><li><strong>Get prequalified with multiple lenders.</strong>Consider trying a mix of large banks, local credit unions, and online lenders and comparing offers. Additionally, connecting with loan officers at several different institutions can help you evaluate what you’re looking for in a lender and which one will best meet your needs. Just ensure that when you’re comparing rates, you’re doing so on common ground—if one estimate involves purchasing mortgage discount points and another doesn’t, it’s important to recognize there’s an upfront cost for buying down your rate with points.</li></ul><h2>Mortgage interest rates historical chart</h2><p>An important element of context for the discussion about high mortgage rates is that rates around 7% feel high because rates between 2% and 3% are fresh in consumers’ minds. Those rates were possible due to government action aimed at preventing recession as the country grappled with the unprecedented coronavirus pandemic.</p><p>However, under more normal economic conditions, experts agree we’re unlikely to see such exceptionally low interest rates again. Historically, rates in the vicinity of 7% are not unusually high.</p><p>Consider this St. Louis Fed (FRED) chart tracking Freddie Mac data on the 30-year, fixed-rate mortgage average. From the 1970s through the 1990s, such rates were more or less the norm, with a significant spike in the early 1980s. In fact, September, October, and November of 1981 all saw mortgage interest rates exceeding 18%.</p><p><img src="https://cdn.accountdigital.net/Fk_qojIw8TZQPXwhI7EI_0B_MGol"></p><p>That said, this historical perspective offers little consolation to homeowners who may want to move but are locked in with a once-in-a-lifetime low interest rate. Such situations are common enough in the current market that low pandemic-era rates keeping homeowners from moving when they otherwise would have become known as the “golden handcuffs.”</p><h2>Factors that impact mortgage interest rates</h2><p>The state of the U.S. economy is probably the main thing that affects mortgage rates. If lenders think inflation is on the horizon, they’ll likely raise rates to protect their ability to turn a profit.&nbsp;</p><p>Another key issue in the grand scheme of things is the national debt. When the government has to borrow to cover its spending, that exerts upward pressure on interest rates.</p><p>The demand for home loans is important too. If mortgage applications are scarce, lenders might lower rates to drum up business. But if loans are in high demand, they may raise interest rates to cover their costs.</p><p>And, the Federal Reserve’s decisions play a role too. The Fed can impact mortgage rates by changing the federal funds rate and by how it manages its balance sheet. The federal funds rate probably gets the most attention between these two. When it changes, mortgage rates often follow. But remember, the Fed doesn’t set mortgage rates directly, and they don’t always move exactly with the fed funds rate.</p><p>The Fed also influences interest rates on long-term financial products through its balance sheet. In tough economic times, it can buy assets like mortgage-backed securities (MBS) to boost the economy. But recently, the Fed has been letting its balance sheet shrink, not replacing assets as they mature. This tends to push rates up. So while everyone focuses on Fed rate decisions, what it does with its balance sheet might be even more important for your mortgage rate.</p><h2>Why it’s important to compare mortgage rates</h2><p>Comparing rates on different types of loans and shopping around with various lenders are both crucial steps in obtaining the best mortgage for your situation.</p><p>If your credit is excellent, opting for a conventional mortgage might be a great choice for you. However, if your score is below 600, an FHA loan may provide an opportunity that a conventional loan would not.</p><p>When it comes to exploring your options with different banks, credit unions, and online lenders, it can make a significant difference in what you pay each year. Freddie Mac research indicates that in a market with high interest rates, homebuyers may be able to save $600 to $1,200 annually if they apply with multiple mortgage lenders.</p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

Current mortgage rates report for Nov. 26, 2025: Rates dip a little

<p>The price of gold was trading at $4,249 per ounce as of 9 a.m. Eastern Time on December 1, 2025. That’s a $5 increase from the same time yesterday and a $1,610 increase from a year ago.&nbsp;</p><table><thead><tr><th>Gold price per ounce</th><th>% Change</th></tr></thead><tbody><tr><th>Price of gold yesterday</th><td>$4,245</td><td>-0.09%</td></tr><tr><th>Price of gold 1 month ago</th><td>$3,864</td><td>-9.06%</td></tr><tr><th>Price of gold 1 year ago</th><td>$2,639</td><td>-37.89%</td></tr></tbody></table><table><tbody><tr><th>Price of gold yesterday</th></tr><tr><th>Gold price per ounce</th><td>$4,245</td></tr><tr><th>% Change</th><td>-0.09%</td></tr><tr><th>Price of gold 1 month ago</th></tr><tr><th>Gold price per ounce</th><td>$3,864</td></tr><tr><th>% Change</th><td>-9.06%</td></tr><tr><th>Price of gold 1 year ago</th></tr><tr><th>Gold price per ounce</th><td>$2,639</td></tr><tr><th>% Change</th><td>-37.89%</td></tr></tbody></table><p>If you’re looking for an investment that is not tied directly to the variance of inflation, gold may be the right choice. In general, gold as an asset is typically expected to increase in value over time. One of the most common ways to purchase and manage gold is through a gold IRA, which can serve as a steadying force in a portfolio amid volatile markets. This may also be a good choice for those who want to invest in gold without the challenge of having to make storage arrangements for physical gold bullion.</p><p><em><strong>Check Out Our Daily Rates Reports</strong></em></p><ul><li>Discover the highest high-yield savings rates, up to 5% for December 8, 2025.</li><li>Discover the highest CD rates, up to 4.18% for December 8, 2025.</li><li>Discover the current mortgage rates for December 8, 2025.</li><li>Discover current refi mortgage rates report for December 8, 2025.</li><li>Discover current ARM mortgage rates report for December 8, 2025.</li><li>Discover the current price of gold for December 8, 2025.</li><li>Discover the current price of silver for December 8, 2025.</li></ul><h2><strong>Historical gold price chart</strong></h2><p>Gold is not always a home run investment. In a strong economy, stocks can perform better in the short and long term. From 1971 to 2024, the stock market delivered average annual returns of 10.7%. Gold delivered an average annual return of 7.9% over the same period.</p><p>However, during times of economic uncertainty, gold is a solid option as a risk-averse investment. For this reason, some may prefer to think of it as a store of value as opposed to an investment in the way that stocks and bonds are.</p><h2><strong>What does “spot gold” mean?</strong></h2><p>The spot gold price is the price to buy or sell gold immediately in an over-the-counter trade. This is an effective way for investors to monitor the demands and trends of gold investment at that time. Simply stated, a higher spot gold price means there is higher demand for gold in the marketplace. Notably, unlike futures contracts, the spot price is for an immediate sale.&nbsp;&nbsp;</p><p>When the future price is higher than the spot price, it is called contango. This is common when investing in commodities that have a high storage cost. When the futures price is lower than the spot price, it is called backwardation.</p><p>There are plenty of different factors that can impact the spot price, which is why that figure is constantly shifting up and down. Those looking to invest in gold need to be able to deal with this level of price fluctuation.</p><h2><strong>What is price spread in gold trading</strong>?</h2><p>A price spread is the difference between an asset’s offered purchase price vs. the price offered to sell it.&nbsp;</p><p>Similarly, in gold investing, the two key terms are ask price and bid price. The ask price is how much it costs to buy the gold, while the bid price is how much it can be sold for. Bid prices are always lower than ask prices.</p><p>The lower the spread between these two prices, the more liquid the market is. If there is a relatively small spread, that means the demand for gold is on the rise.</p><h2><strong>How to invest in gold</strong></h2><p>If investing in gold immediately leads to an image of Scrooge McDuck olympic diving into a pile of coins, that’s only half right. While there are opportunities to buy physical gold bars, coins or jewelry, gold is often traded as exchange-traded funds (ETF).</p><p>James Taska, a fee-based financial advisor, said, “There is a great debate as to whether paper gold is as useful as the physical. From a financial advisor’s viewpoint, it is much easier to rebalance a client’s allocation of gold if it is owned as an exchange-traded fund (ETF), and the spread when attempting to buy/sell gold can be quite variable and wide.”&nbsp;</p><p>Some of the most common ways to invest in gold include:</p><ul><li><strong>Gold bars:</strong>Often referred to as bullion, this is a popular gold investing method. Offered on a per gram or ounce basis, other qualities including purity, weight, and manufacturer are typically stamped on the face of the bar. Similarly, you may encounter gold rounds.</li><li><strong>Gold coins:</strong>These are collectible coins, such as the American Gold Eagle coin. These often are sold at a higher price than bars of the same weight because they are viewed as collectibles with limited availability in the marketplace.</li><li><strong>Gold jewelry:</strong>Jewelry typically comes with aesthetic, external and subjective value, so the price may be significantly higher than the standard weight value.&nbsp;</li><li><strong>Gold futures contracts:</strong>A futures contract states that the investor will buy a specified amount of gold for a defined price at a future date. Futures allow investors to speculate on the price of gold in the future without needing to handle the actual physical product.&nbsp;</li><li><strong>Gold funds:</strong>These are mutual funds or ETFs that own gold assets. Like other ETFs in a stock portfolio, you can purchase shares in gold funds or any other mutual fund investment, and their value fluctuates based on the changes in the underlying portfolio of assets.</li></ul><h2><strong>Is it a good time to invest in gold?</strong></h2><p>Ultimately, there is a relative subjectivity in determining if now is a better time to invest in gold compared to other periods. However, using gold as a way to diversify your existing portfolio can mitigate the impact of market volatility.</p><p>In the current economy, gold continues to offer stability in a highly volatile period for the stock market. Prices have risen to all-time highs, with the price rising over 25% since the start of 2025, fueled by ongoing inflation and economic uncertainty. Many experts agree this is a good time to diversify your portfolio with gold.</p><h2><strong>Current precious metals prices</strong>as of 9 a.m. ET on December 1, 2025</h2><table><thead><tr><th>Precious Metal</th><th>Price per ounce</th></tr></thead><tbody><tr><th>Gold</th><td>$4,249</td></tr><tr><th>Silver</th><td>$58</td></tr><tr><th>Platinum</th><td>$1,681</td></tr><tr><th>Palladium</th><td>$1,450</td></tr></tbody></table><table><tbody><tr><th>Gold</th></tr><tr><th>Price per ounce</th><td>$4,249</td></tr><tr><th>Silver</th></tr><tr><th>Price per ounce</th><td>$58</td></tr><tr><th>Platinum</th></tr><tr><th>Price per ounce</th><td>$1,681</td></tr><tr><th>Palladium</th></tr><tr><th>Price per ounce</th><td>$1,450</td></tr></tbody></table><p>Silver, platinum, and palladium are popular precious metals that investors can hold in portfolios in addition to gold. Gold is typically less volatile than silver, which can have a large price range even within a 24-hour period. Additionally, because silver is a more common resource used across different industries, it is more sensitive to external economic changes.</p><p>Platinum and palladium are in the same boat as silver. Investors can use these rare metals as a way to diversify a portfolio, but be wary that there is typically much more fluctuation than with gold.</p>#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; 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font-weight: 600; } }<h2><strong>The takeaway</strong></h2><p>The U.S. economy has been in flux for several years now, and the current period of extended inflation has had a major impact. Gold can serve as an inflationary hedge in an investor’s portfolio. Additionally, because of the variance of acquisition methods, gold can be a relatively easy asset to accumulate based on an investor’s comfort level and interest. Whether you purchase gold as an IRA or as a more active investment account, investing in gold may help achieve both short- and long-term investment objectives.</p><h2><strong>Frequently asked questions</strong></h2><h3>What is the best way to own gold?</h3><p>Many investors are buying gold via ETFs, which allows for a managed portfolio of easily traded assets.</p><h3>Is gold a good investment?</h3><p>Gold is often a good investment for investors looking to diversify their portfolio and get a hedge against inflation. There are many ways to buy gold, making it easy to access the investment.</p><h3>Should I buy gold coins or gold bars?</h3><p>Gold coins are considered collectibles and may have a higher value for the weight of gold compared to a bar. Collectible and historical significance can make coins a more attractive asset to some investors. Additionally, U.S. minted coins might help protect investors from the risk of getting fake bars.</p><strong>Fortune Brainstorm AI</strong>returns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.