Bankrate Mortgage and Financial Product Rates

Nine numbers, refreshed every week, that price the entire American consumer credit and deposit market. The Bankrate Monitor (BRM) survey has run since the early 1980s under Bankrate — founded 1982, owned by Red Ventures, headquartered in West Palm Beach, FL — and its Data Center publishes the results as line charts last updated August 19, 2026 at research time: certificate of deposit APY, fixed mortgage rate, adjustable-rate mortgage (ARM) rate, HELOC rate, credit card APR, auto loan rate, unsecured personal loan rate, savings account APY, and interest checking account APY, filterable into Deposits, Home lending and Consumer lending.

Each number is an average across a stated pool: more than 850 banks and credit unions surveyed weekly across categories, with an average of 300+ institutions sampled per week for mortgages during 2025. That sampling depth is what separates a survey average from a lender's advertised teaser — and why the series is the routine citation for consumer rate trends.

Two adjacent layers ride along. Ten longitudinal consumer polls track financial behavior — emergency-savings duration since 2011, the $1,000-unexpected-expense question since 2018, credit-card-debt-versus-savings since 2011, homeownership barriers since 2021 — and a research-report archive explains each move. And critically for anyone building a long model, the BRM mortgage series is incorporated into the Federal Reserve's FRED system, so the weekly history reaches back to April 1971 — roughly 50 observations a year for five decades.

Get a sample of this dataset and we will return the full nine-series table cut to the products and weeks you name.

One tidy row per product per week — series name, observation date, surveyed average, product classification, segment. Here is the current head of the flagship mortgage series:

series_name       : 30-Year Fixed Rate Mortgage Average in the United States
observation_date  : 2026-08-20
rate_value        : 6.65              # percent
prior_week        : 6.67 (2026-08-13)
product_type      : fixed mortgage
segment           : Home lending
history_start     : 1971-04-02
survey_pool_size  : 850+

That shape repeats eight more times — ARM, HELOC, credit card APR, auto loan, personal loan, CD, savings, checking — so the whole franchise lands as one table of roughly 450 new points a year that pivots by product_type without reshaping. Weekly cadence means the freshest print is never more than a few days old when it reaches you, and every historical point carries the same keys, so a 1971 mortgage week joins to a 2026 checking week with no munging.

Eight documented fields carry the analytical weight — three identify and classify the observation (series_name, product_type, segment), two locate it in time (observation_date, last_updated), one holds the measured value (rate_value), and two document the survey itself (survey_pool_size, institutions_sampled), which matters when you need to defend how many institutions stand behind a number.

• Geography: United States national averages. State-level lender detail exists on Bankrate's product pages but sits behind its membership wall, so the reusable core is the national series.
• Temporal: weekly survey cadence, with the mortgage series distributed through FRED reaching back to April 1971 — 55 years of weekly prints. The ten consumer polls start between 2011 and 2021 depending on the question.
• Granularity: one weekly national average per product series — about 50 points per series per year, nine series, roughly 450 fresh values annually. Lender-level quoted rates are member-only and not part of the standard feed.

Set against the wider Datadory catalog, where only 89 of 1,744 datasets refresh weekly, this is among the faster-cadence consumer datasets we deliver — and one of very few whose pricing history spans both sides of every rate cycle since Nixon.

API, files, or your warehouse. Daily, weekly, or hourly.

You pick the channel and the cadence; the field dictionary above travels unchanged across all three. Bulk files suit analysts who want the full 55-year mortgage history loaded once beside their own macro panels, structured payloads suit products that surface a live rate inside an app or a calculator, and warehouse delivery suits teams running rate-cycle models in SQL. Cadence changes are a settings conversation, not a re-integration project — ask for hourly during Fed weeks if that is what your dashboard needs.

• Market researchers and consultants benchmark all nine Bankrate Monitor series for lending-market studies — when a deck quotes "the average 30-year rate," this survey is usually where the number came from, and having all nine products in one table lets deposit-side and lending-side claims be checked against each other.
• Investors and quant researchers take weekly consumer rate levels with the mortgage series reaching back to April 1971 for rate-cycle analysis — deposit betas, spread compression, the lag between Fed moves and what consumers actually see on a savings statement.
• Competitive intelligence and product teams compare member-only lender offer tables against the weekly national averages per product, turning "how does our pricing sit versus market" from a manual check into a scheduled query.
• Journalists and academics cite the routine weekly number with a defensible methodology — hundreds of institutions per product per week — and the decade-plus poll archive supplies the behavioral counterpoint to the pricing series.
• Electronics and big-ticket retail analysts use the auto-loan and credit-card series to price financing-sensitive purchase decisions, which is exactly why this record lives in our Consumer Electronics industry hub alongside device spec and review catalogs.

Three things worth knowing upfront. First, the nine headline series are national averages: there is no state, metro or lender-level cut in the standard table, because institution-level quoted rates are reserved for Bankrate's members — tell us if you need lender-level coverage and we will confirm what is obtainable before scoping a delivery. Second, only the mortgage linkage into FRED's long history was verifiable at research time; the other eight series are confirmed weekly and current, but their individual deep-history reach needs confirmation per series before we quote a start date, so long-run panels should be scoped per product rather than assumed uniform. Third, the survey pool differs by product — 850+ institutions across categories, 300+ sampled per week for mortgages in 2025 — so cross-product comparisons should read survey_pool_size and institutions_sampled as part of the comparison, not just the rates themselves.

Notes that pair well with this page:

• Provenance note — the underlying survey is Bankrate's Bankrate Monitor, published by a Red Ventures property founded in 1982; the long mortgage history is incorporated into the St. Louis Fed's FRED system, which is how a 1971-to-present weekly series stays quotable. Source terms are confirmed with you at sample request.
• Cadence note — the Data Center charts were last refreshed August 19, 2026 at research time, and the latest mortgage observation carried an August 20, 2026 stamp; delivery cadence is decoupled from source cadence, so hourly pickup of a weekly series simply re-delivers the newest print until it changes.
• Where to go next — NerdWallet Mortgage Rates adds daily-updated national averages across ten loan products with a lender-offer panel; the Federal Reserve G.19 Consumer Credit release contributes monthly terms of credit and balances; and the World Bank Global Findex Database 2025 extends the picture from US pricing to global account ownership. Pricing, balances, adoption: three lenses, one stack.