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See all today's rates →30-year fixed mortgage Freddie Mac PMMS average | 7.18% | Compare |
Top CD Highest APY, any term | 4.60% | See CDs |
High-yield savings Top tracked APY · as of Nov 12, 2026 | 4.50% | See savings |
Personal loan Fed G.19 average, 24-month | 11.90% | Compare |
Source: RateZip Rate Index. Rates shown are published averages or observed rates, not a lender offer, quote, or APR. Mortgage: Freddie Mac PMMS as of Nov 5. Personal loan: Fed G.19 as of Nov 6. Advertising supported. Rates change; check the source before you decide. Machine-readable rates
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From the rate desk · November 12, 2026
The most consequential number in mortgage shopping isn't any lender's rate — it's the distance between them. This week that distance narrowed: the gap between the cheapest and most expensive posted 30-year rate RateZip tracks stands at 1.51 points as of November 12, 2026.
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The gap check
Top CD APY is 4.6%. You're leaving $1,037/yr on the table.
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