LOW Interest Ratez Board

LOW Interest Ratez

LowestInterestRatez.comInterestRatez.comDaily Updates… Check back often to catch the Lowest Interest Ratez!
Board as of Tue Sep 29, 2026 · 5:47 AM PDT
Pacific Time · lowest publicly advertised rates on anything financeable
Fed Funds target3.75–4.00%+0.25 on Sep 16confirmed Sep 29
WSJ Prime7.00%+0.25 on Sep 17confirmed Sep 29
30-yr fixed · Freddie Mac7.03%+0.08 wk · 6.30% yr agoSurvey index, no APR · Sep 24 · next Oct 1
15-yr fixed · Freddie Mac6.42%+0.16 wk · 5.49% yr agoSurvey index, no APR · Sep 24 · next Oct 1
Avg HELOC · Bankrate7.28%survey Sep 23 · page upd Sep 28

Mortgage NerdWallet avg · Sep 28 (latest)

30-yr FHAAPR includes FHA mortgage insurance5.38%6.11% APR
5-yr ARMRate can adjust after year 56.38%6.50% APR
15-yr fixed6.56%6.58% APR
30-yr VAEligible veterans and service members6.84%7.00% APR
30-yr fixed7.18%7.20% APR

Assumes a $500,000 purchase price, 20% down payment ($400,000 loan amount, 80% LTV), 720–739 credit score, single-family primary residence; points not specified by the source. Rates as of Sep 28, 2026 11:16 AM ET / 8:16 AM PT (Zillow data via NerdWallet); re-checked Sep 29, 2026 5:47 AM PDT, no newer APR-disclosed update yet. Averages, not offers. Your rate and APR depend on credit, loan amount, down payment, points and location.

HELOC · Home Equity Bankrate · upd Sep 28

Alliant Credit UnionIntroductory rate; resets to variable (low end of Bankrate range Sep 28)3.99%
AchieveFixed APR, 10-yr term5.875%
AvenStarting APR, variable5.99%
FourLeaf FCUIntroductory rate · *Sep 23, not re-verified today5.99%
Police & Fire FCUStarting APR · *Sep 23, not re-verified today6.00%
Third FederalVariable; new on Bankrate list Sep 286.24%

New Car · 0% APR CarsDirect Sep 9 · exp 9/30 (tomorrow)

Jeep Cherokee Hybrid ’2672 mo; excludes base trim; no rebate stacking0.00%
Lucid Gravity ’2672 mo; plus $16.5k stackable incentives0.00%
Chevy Silverado 1500 ’2660 mo; all trims0.00%
RAM 1500 ’2660 mo; Big Horn & Laramie only0.00%
Hyundai Santa Fe ’2660 mo; gas & hybrid, all trims0.00%
Nissan Rogue / Frontier / Murano ’2660 mo; Murano gives up $5k cash; Frontier S 0.9%/36 or 1.9%/600.00%
Polestar 4 · Infiniti QX80 ’2660 mo; Polestar stacks $18k rebate0.00%
Hyundai Tucson / Sonata ’26 (gas)60 mo; hybrids 2.99%0.99%

Auto Loan · Bank & CU LendMesh Sep 18* · Bankrate Sep 29

Baxter Credit UnionNew auto, lowest tier · *Sep 182.89%
Polish & Slavic FCU · United CUNew auto · *Sep 182.99%
myAutoLoanAuto refinance, good credit4.09%
CaribouAuto refinance · *Sep 23, not re-verified today4.18%
CarputtyUsed car; 680+ credit4.33%
Avg · super-prime new781+ credit; all-borrower 60-mo new avg 7.00%4.55%

Motorcycle · RV · Boat LendMesh Sep 18* · NFCU Sep 28

Motorcycle · Dade County FCUUnited CU 5.05% · *Sep 184.00%
RV · Dade County FCUAmerican Airlines FCU 5.59% · *Sep 184.75%
Boat · Navy Federal (new)Up to 36 mo; 8.95% for 37–180 mo; members only; Sep 286.95%
Boat · Navy Federal (used)Up to 36 mo; Sep 287.45%

Aircraft FLYING Finance · Sep 2026*

Certified pistonUp to 20-yr amortization; about 15% down; 720+ credit7.01%
Turboprop & jet7.13%
MOSAIC light sport7.71%
Experimental / kit7.78%

Credit Card · 0% Intro Motley Fool · Sep 27–28

Wells Fargo ReflectPurchases + BT; 5% BT fee (min $5); then 17.74%, 24.24% or 28.49%0% · 21 mo
Chase SlatePurchases + BT; then 18.24–28.24%0% · 21 mo
BankAmericard21 billing cycles; 5% BT fee; then 14.99–25.99%0% · 21 cyc
Citi Diamond PreferredBT 21 mo, purchases 12 mo; BT fee 3% first 4 mo then 5%; then 16.74–27.49%0% · 21 mo BT

Personal Loan Bankrate · checked Sep 29

Happen BankRange 5.96–35.99% APR; 600+ credit5.96%
UpstartRange 6.30–35.99% · *not re-verified today6.30%
SoFiWith autopay; range 6.49–35.49% · *not re-verified today6.49%
UpgradeRange 7.74–35.99% APR; 600+ credit7.74%
DiscoverRange 7.99–24.99% APR; no fees7.99%

Retail · Store Financing Current offers*

Sealy mattress (Wells Fargo card)$1,700+ purchase; true 0% equal payments; then 28.99%; ends 12/31/260% · 60 mo
iPhone · Apple Card InstallmentsMac, iPad and Watch up to 12 mo; carriers 24–36 mo0% · 24 mo
Jewelry · Kay / Zales / JaredDeferred interest; 35.99% back-charged if not paid in full0% · 18 mo
Jewelry · Affirm0–36% by credit; 3–60 mo; up to $17.5kfrom 0%
Medical / dental · CareCreditDeferred interest 6–24 mo; standard APR 32.99%0% · 24 mo

Solar · Home Improvement NuWatt 2026*

GoodLeapRate bought down with 19–35% dealer fee in the loan1.99%†
Sunlight Financial15–30% dealer fee2.49%†
Dividend Finance15–25% dealer fee3.49%†
LightStreamNo dealer fee6.49%

Student Loan Refi LendMesh · Sep 16*

America’s Christian CUFixed; membership required2.89%
America’s Christian CUVariable2.91%
Credible marketplaceLowest shown Sep 243.65%
USC Credit UnionVariable, 3.74–3.99%3.74%

Small Business · SBA NerdWallet · Sep 2026*

SBA 504 (real estate, equipment)Typical range 5–7%~5.00%
SBA microloanTypical 8–13%8.00%
SBA 7(a) fixed cap, $250k+Legal maximum, not a floor; tied to 7.00% prime≤12.00%

Read this before quoting

  • Names link to each lender’s own site or offer page, or to the rate source. Links are not paid; if that changes, paid links will be labeled “Ad”.
  • “Starting” rates need top-tier credit (typically 740+), autopay, and sometimes membership.
  • 0% auto APR usually replaces cash rebates. Compare total cost both ways. September carmaker offers end 9/30; October offers not yet published as of this update.
  • Intro HELOC and card rates reset. Show the go-to rate on screen.
  • Rates move daily. Every figure carries its source date. * = source older than 7 days or not re-verified today; prior value kept.
  • Every mortgage rate shows its APR and loan assumptions. A rate without an APR and loan terms stays off the board. Lead to verify: Forbes/Mortgage Research Center shows 30-yr fixed 7.37% on Sep 29 (one-year high) but publishes no APR or loan assumptions, so it is not on the board. The builder buydown lead stays pulled until terms are confirmed.
  • † Solar teaser rates are bought down by dealer fees rolled into the loan. A no-fee loan at a higher rate can cost less.
  • “Deferred interest” store offers charge all back interest if any balance remains at the deadline.

Sources