One percentage point difference on your loans costs you tens of thousands of dollars. We show you exactly where you're losing money — and how to fix it today.
Your bank counts on you not paying attention. The difference between the rate you have and the rate you could have is often more than your car payment — every single month.
Four steps. Anyone can do it. Takes one weekend.
Write down every interest rate in your life — credit cards, auto, mortgage, savings. Most people are shocked by what they find.
Any rate above 10% is stealing from you. We show you exactly how to eliminate or negotiate these first — with word-for-word scripts.
Know which banks and credit unions have the lowest rates right now for your situation. We track them so you don't have to.
Move your savings to high-yield accounts. Use low-rate leverage for wealth-building. Flip the script — rates working for you, not against you.
We track the best rates available right now across savings accounts, mortgages, auto loans, and personal loans. Updated regularly. Always free.
Credit unions almost always beat banks. They're member-owned nonprofits legally required to return profits as lower rates. Most people qualify for at least one.
| Institution | Type | APY Rate | Min. Balance | Notes |
|---|---|---|---|---|
| SoFi Bank | Online | 4.50% | $0 | With direct deposit setup |
| LendingClub Bank | Online | 4.40% | $0 | No monthly fees |
| Marcus by Goldman Sachs | Online | 4.30% | $0 | Trusted name, great rate |
| Ally Bank | Online | 4.20% | $0 | Excellent app & service |
| Discover Bank | Online | 4.00% | $0 | Also has great CD rates |
| Chase / BofA / Wells | Big Bank | 0.01% | Varies | Avoid for savings |
| Lender | Type | Est. Rate | Best For | Notes |
|---|---|---|---|---|
| Local Credit Unions | Credit Union | Lowest | All borrowers | Call 3+ unions — often 0.5% lower |
| Better.com | Online | Competitive | Fast closings | 100% online, no commission pressure |
| Rocket Mortgage | Online | Market Rate | Easy process | Great UX, negotiate aggressively |
| loanDepot | Online | Market Rate | Jumbo loans | Get competing quote first |
| Navy Federal CU | Credit Union | Excellent | Military families | Best rates in the country if eligible |
| Lender | Type | Starting Rate | Best For | Notes |
|---|---|---|---|---|
| PenFed Credit Union | Credit Union | 4.99% | New & used cars | Anyone can join — best starting point |
| LightStream | Online | 5.99% | Good credit (700+) | Rate beat program — they'll beat any offer |
| RefiJet | Online | Starting 5.29% | Refi only | Specializes in auto refinancing |
| OpenRoad Lending | Online | Starting 5.39% | Refi only | Get quote in 2 minutes |
| Dealer Financing | Dealership | 7–14% | — | Almost always overpriced — always refi after |
| Lender | Type | APR Range | Best For | Notes |
|---|---|---|---|---|
| LightStream | Online | 6.99–25% | Good credit | Lowest rates for qualified borrowers |
| SoFi | Online | 8.99–29% | Debt consolidation | Unemployment protection feature |
| Marcus by Goldman | Online | 6.99–28% | No-fee loans | Zero fees of any kind |
| Local Credit Union | Credit Union | Often lowest | Members | Call yours — rates often 2–4% below banks |
| Credit Cards | Revolving | 20–30% | — | Most expensive debt — consolidate immediately |
* Rates are estimates and change frequently. Always verify current rates directly with the institution. This is educational information, not financial advice.
Always get 3 quotes minimum before signing any loan. Call at least one local credit union — they're member-owned nonprofits and legally required to keep rates lower than banks. Showing a competitor's offer and asking "can you beat this?" works more often than people think. The script is in our Rate Negotiation Pack below.
Everything you need to find lower rates, negotiate like a pro, and track your progress. Instant digital download.
The fillable PDF that shows you every rate in your financial life — and exactly what each one is costing you annually.
The complete system. Seven focused lessons — one for each type of debt and savings account — with step-by-step action items and scripts.
Word-for-word scripts to call your bank, credit card company, and mortgage servicer and ask for a lower rate — with objection responses.
The definitive ranked list of best rates by category — HYSA, mortgage, auto, personal loans — updated quarterly with affiliate links to apply.
I had no idea my savings account was paying me 0.01%. Switched to SoFi in 20 minutes and now I'm earning $180 more per month on the same money. I'm actually angry this took me so long.
Used the negotiation script to call my credit card company. Was on hold for 8 minutes. They dropped my rate from 22.99% to 15%. That script paid for itself about 400 times over.
Refinanced my auto loan from 9.4% to 5.1% through PenFed after finding them in the cheat sheet. My monthly payment dropped $87. Wish I'd done this the day I bought the car.
Five minutes is all it takes to start your rate audit. Find out exactly what your interest rates are costing you — for free.