CINXE.COM

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Alternatively, you can press the end key to jump to the search toggle, and the escape key to close the menu.'"> <li x-cloak class="SiteNavCategory" id="category-1" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/banking/" data-js-selector="siteNavCategorylink1" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 1, 7);" @keydown.right.prevent="keydownCategory('right', 1, 7);" @keydown.left.prevent="keydownCategory('left', 1, 7);" @keydown.down.prevent="keydownCategory('down', 1, 7);" @keydown.up.prevent="keydownCategory('up', 1, 7);" @keydown.home.prevent="keydownCategory('home', 1, 7);" @keydown.end.prevent="keydownCategory('end', 1, 7);" @keydown.space.prevent="keydownCategory('space', 1, 7);" @keydown.enter.prevent="keydownCategory('enter', 1, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="1" data-text="Banking" data-outcome="send to banking hub" > <span class="SiteNavCategory-label"> Banking</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-banking" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="1" data-text="Banking" data-outcome="open default banking container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="banking-tablist" class="SiteNavSubcategory-categoryTitle"> Banking</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="banking-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 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mobile nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Banking category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Banking</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best savings accounts" data-outcome="send to Best savings accounts" > Best savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/best-high-yield-interests-savings-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best high-yield savings accounts" data-outcome="send to Best high-yield savings accounts" > Best high-yield savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/small-business/best-business-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best business checking accounts" data-outcome="send to Best business checking accounts" > Best business checking accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best checking accounts" data-outcome="send to Best checking accounts" > Best checking accounts</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/simple-savings-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="1" data-text="Savings calculator" data-outcome="send to link" > Savings calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/savings/calculators/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="2" data-text="All savings calculators" data-outcome="send to link" > All savings calculators</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/average-savings-interest-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="3" data-text="Savings rate trends" data-outcome="send to link" > Savings rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="4" data-text="Savings resources" data-outcome="send to link" > Savings resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/how-to-open-a-savings-account/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="1" data-text="Savings basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Savings basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/start-saving-from-scratch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="2" data-text="How to start saving" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to start saving</span> <span class="SiteNavFeaturedLink-supportText">4 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best CD rates" data-outcome="send to Best CD rates" > Best CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-6-month-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best 6-month CD rates" data-outcome="send to Best 6-month CD rates" > Best 6-month CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-1-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best 1-year CD rates" data-outcome="send to Best 1-year CD rates" > Best 1-year CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-5-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best 5-year CD rates" data-outcome="send to Best 5-year CD rates" > Best 5-year CD rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="1" data-text="CD calculator" data-outcome="send to link" > CD calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-ladder-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="2" data-text="CD ladder calculator" data-outcome="send to link" > CD ladder calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/todays-cd-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="3" data-text="CD rate trends" data-outcome="send to link" > CD rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="4" data-text="CD resources" data-outcome="send to link" > CD resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/what-is-a-cd/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="1" data-text="CD basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CD basics</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/how-to-invest-in-cds/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="2" data-text="How to invest with CDs" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to invest with CDs</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Money market accounts</p> <p class="SiteNavTopicOverview-copy">Money market accounts are similar to savings accounts, but offer some checking features as well.</p> <a href="/banking/money-market/rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Money market subcategory CTA" data-position="1" data-text="View MMA rates" data-outcome="send to link" data-category="Banking"> View MMA rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/what-is-a-money-market-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="1" data-text="Money market basics" data-outcome="send to link" > Money market basics</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/money-market-account-vs-savings-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="2" data-text="Money market vs savings accounts" data-outcome="send to link" > Money market vs savings accounts</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/how-does-a-money-market-account-work/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="3" data-text="How does an MMA work?" data-outcome="send to link" > How does an MMA work?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="4" data-text="MMA resources" data-outcome="send to link" > MMA resources</a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Banking</p> <p class="SiteNavTopicOverview-copy">Unlock financial rewards by signing up for a savings or checking account with a bonus offer.</p> <a href="/banking/best-bank-account-bonuses/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Banks subcategory CTA" data-position="1" data-text="Best bank bonuses" data-outcome="send to link" data-category="Banking"> Best bank bonuses</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/awards/2025/best-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="1" data-text="Best banks of 2025" data-outcome="send to link" > Best banks of 2025</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/best-online-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="2" data-text="Best online banks" data-outcome="send to link" > Best online banks</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - 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Banks subcategory link" data-position="2" data-text="Marcus review" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Marcus review</span> <span class="SiteNavFeaturedLink-supportText">Our take on Marcus by Goldman Sachs</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/banking/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Banking hub link - desktop nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-2" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/mortgages/" data-js-selector="siteNavCategorylink2" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 2, 7);" @keydown.right.prevent="keydownCategory('right', 2, 7);" @keydown.left.prevent="keydownCategory('left', 2, 7);" @keydown.down.prevent="keydownCategory('down', 2, 7);" @keydown.up.prevent="keydownCategory('up', 2, 7);" @keydown.home.prevent="keydownCategory('home', 2, 7);" @keydown.end.prevent="keydownCategory('end', 2, 7);" @keydown.space.prevent="keydownCategory('space', 2, 7);" @keydown.enter.prevent="keydownCategory('enter', 2, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="2" data-text="Mortgages" data-outcome="send to mortgages hub" > <span class="SiteNavCategory-label"> Mortgages</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-mortgages" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="2" data-text="Mortgages" data-outcome="open default mortgages container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="mortgages-tablist" class="SiteNavSubcategory-categoryTitle"> Mortgages</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="mortgages-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Purchase" data-position="1"> Purchase<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Refinance" data-position="2"> Refinance<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Real estate" data-position="3"> Real estate<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/mortgages/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Mortgages hub link - mobile nav" data-position="bottom" data-text="Explore all Mortgages resources" data-outcome="send to link" > Explore all mortgages resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Mortgages category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Mortgages</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/mortgage-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="1" data-text="Mortgage rates" data-outcome="send to Mortgage rates" > Mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="2" data-text="30-year mortgage rates" data-outcome="send to 30-year mortgage rates" > 30-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="3" data-text="15-year mortgage rates" data-outcome="send to 15-year mortgage rates" > 15-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/va-loan-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="4" data-text="VA loan rates" data-outcome="send to VA loan rates" > VA loan rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/mortgage-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="1" data-text="Mortgage calculator" data-outcome="send to link" > Mortgage calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/amortization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="2" data-text="Amortization calculator" data-outcome="send to link" > Amortization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/todays-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="3" data-text="Mortgage rate news" data-outcome="send to link" > Mortgage rate news</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/best-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="4" data-text="Best mortgage lenders" data-outcome="send to link" > Best mortgage lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="5" data-text="Read lender reviews" data-outcome="send to link" > Read lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-to-get-a-mortgage/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="1" data-text="How to get a mortgage" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a mortgage</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/first-time-homebuyer-loans-and-programs/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="2" data-text="First-time homebuyer programs" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">First-time homebuyer programs</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/refinance-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="1" data-text="Refinance rates" data-outcome="send to Refinance rates" > Refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/cash-out-refinance-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="2" data-text="Cash-out refinance rates" data-outcome="send to Cash-out refinance rates" > Cash-out refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="3" data-text="30-year refinance rates" data-outcome="send to 30-year refinance rates" > 30-year refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="4" data-text="15-year refinance rates" data-outcome="send to 15-year refinance rates" > 15-year refinance rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="1" data-text="Mortgage refinance calculator" data-outcome="send to link" > Mortgage refinance calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/refinance-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="2" data-text="Best refinance lenders" data-outcome="send to link" > Best refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/cash-out-refinance-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="3" data-text="Best cash-out refinance lenders" data-outcome="send to link" > Best cash-out refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinancing/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="4" data-text="Mortgage refinance resources" data-outcome="send to link" > Mortgage refinance resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-does-refinancing-a-mortgage-work/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="1" data-text="How to refinance your mortgage" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to refinance your mortgage</span> <span class="SiteNavFeaturedLink-supportText">12 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/cash-out-refinancing/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="2" data-text="Cash-out refinancing guide" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Cash-out refinancing guide</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Buying & selling</p> <p class="SiteNavTopicOverview-copy">Find an expert who knows the market. Compare trusted real estate agents all in one place.</p> <a href="/real-estate/agents/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory CTA" data-position="1" data-text="Find an agent" data-outcome="send to link" data-category="Mortgages"> Find an agent</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/real-estate/new-house-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="1" data-text="Home affordability calculator" data-outcome="send to link" > Home affordability calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/cost-of-living-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="2" data-text="Cost of living calculator" data-outcome="send to link" > Cost of living calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/how-much-is-my-house-worth/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="3" data-text="How much is my house worth?" data-outcome="send to link" > How much is my house worth?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="4" data-text="Real estate resources" data-outcome="send to link" > Real estate resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/real-estate/how-to-buy-a-house/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory link" data-position="1" data-text="Buying a home" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/08fb8be334/buying-a-home.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/08fb8be334/buying-a-home.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/08fb8be334/buying-a-home.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Buying a home</span> <span class="SiteNavFeaturedLink-supportText">12 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/real-estate/how-to-sell-your-house/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory link" data-position="2" data-text="Selling a home" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/3b255b330e/selling-a-home-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/3b255b330e/selling-a-home-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/3b255b330e/selling-a-home-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Selling a home</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/mortgages/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Mortgages hub link - 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@keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - mobile nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link" > Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" 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class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare cards</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/best-credit-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Best cards of 2025" data-outcome="send to Best cards of 2025" > Best cards of 2025</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/best-cash-back-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Best cash back cards" data-outcome="send to Best cash back cards" > Best cash back cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/best-balance-transfer-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Best balance transfer cards" data-outcome="send to Best balance transfer cards" > Best balance transfer cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/best-zero-interest-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Best 0% APR cards" data-outcome="send to Best 0% APR cards" > Best 0% APR cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/best-travel-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Best travel cards" data-outcome="send to Best travel cards" > Best travel cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/best-rewards-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Best rewards cards" data-outcome="send to Best rewards cards" > Best rewards cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/best-business-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Best business cards" data-outcome="send to Best business cards" > Best business cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/building-credit/best-student-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="8" data-text="Best student cards" data-outcome="send to Best student cards" > Best student cards</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Find my matches</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/cardmatch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="1" data-text="CardMatch™" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CardMatch™</span> <span class="SiteNavFeaturedLink-supportText">Get personalized card recommendations</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/compare/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="2" data-text="Card comparison tool" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Card comparison tool</span> <span class="SiteNavFeaturedLink-supportText">Compare credit cards side-by-side</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See your card matches</p> <p class="SiteNavTopicOverview-copy">Answer a few quick questions and we’ll show you your top credit card options. </p> <a href="/credit-cards/tools/cardmatch/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory CTA" data-position="1" data-text="Find my matches" data-outcome="send to link" data-category="Credit cards"> Find my matches</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Compare cards</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/rewards/best-for-excellent-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="1" data-text="Excellent credit" data-outcome="send to link" > Excellent credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-good-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="2" data-text="Good credit" data-outcome="send to link" > Good credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-fair-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="3" data-text="Fair credit" data-outcome="send to link" > Fair credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/best-for-bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="4" data-text="Bad credit" data-outcome="send to link" > Bad credit</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/bad-credit/how-to-build-credit-fast/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="1" data-text="How to build credit" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to build credit</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/building-credit/best-for-no-credit-history/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="2" data-text="Best cards for building credit" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best cards for building credit</span> <span class="SiteNavFeaturedLink-supportText">Find out which credit cards could help</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See what the experts say</p> <p class="SiteNavTopicOverview-copy">Read in-depth credit card reviews to find out which cards have the best perks and more. </p> <a href="/credit-cards/reviews/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory CTA" data-position="1" data-text="Read card reviews" data-outcome="send to link" data-category="Credit cards"> Read card reviews</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-payoff-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="1" data-text="Credit card payoff calculator" data-outcome="send to link" > Credit card payoff calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-balance-transfer-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="2" data-text="Balance transfer calculator" data-outcome="send to link" > Balance transfer calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-utilization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="3" data-text="Credit utilization calculator" data-outcome="send to link" > Credit utilization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="4" data-text="All credit card calculators" data-outcome="send to link" > All credit card calculators</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/spender-type-tool/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory link" data-position="1" data-text="Spender type tool" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Spender type tool</span> <span class="SiteNavFeaturedLink-supportText">Find cards that fit your needs</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Get advice</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/advice/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Credit cards 101" data-outcome="send to Credit cards 101" > Credit cards 101</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Balance transfer advice" data-outcome="send to Balance transfer advice" > Balance transfer advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Zero interest credit cards" data-outcome="send to Zero interest credit cards" > Zero interest credit cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Rewards credit card advice" data-outcome="send to Rewards credit card advice" > Rewards credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Cash back credit card advice" data-outcome="send to Cash back credit card advice" > Cash back credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Travel credit card advice" data-outcome="send to Travel credit card advice" > Travel credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Business credit card advice" data-outcome="send to Business credit card advice" > Business credit card advice</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Build credit</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="1" data-text="Advice for bad credit" data-outcome="send to link" > Advice for bad credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="2" data-text="Rebuilding credit score" data-outcome="send to link" > Rebuilding credit score</a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - desktop nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link" > Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-5" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/loans/" data-js-selector="siteNavCategorylink5" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 5, 7);" @keydown.right.prevent="keydownCategory('right', 5, 7);" @keydown.left.prevent="keydownCategory('left', 5, 7);" @keydown.down.prevent="keydownCategory('down', 5, 7);" @keydown.up.prevent="keydownCategory('up', 5, 7);" @keydown.home.prevent="keydownCategory('home', 5, 7);" @keydown.end.prevent="keydownCategory('end', 5, 7);" @keydown.space.prevent="keydownCategory('space', 5, 7);" @keydown.enter.prevent="keydownCategory('enter', 5, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="5" data-text="Loans" data-outcome="send to loans hub" > <span class="SiteNavCategory-label"> Loans</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-loans" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="5" data-text="Loans" data-outcome="open default loans container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="loans-tablist" class="SiteNavSubcategory-categoryTitle"> Loans</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="loans-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Personal loans" data-position="1"> Personal loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Auto loans" data-position="2"> Auto loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Student loans" data-position="3"> Student loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Small business loans" data-position="4"> Small business loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/loans/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Loans hub link - mobile nav" data-position="bottom" data-text="Explore all Loans resources" data-outcome="send to link" > Explore all loans resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Loans category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Loans</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Best personal loans" data-outcome="send to Best personal loans" > Best personal loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Best personal loans for bad credit" data-outcome="send to Best personal loans for bad credit" > Best personal loans for bad credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/debt-consolidation-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best debt consolidation loans" data-outcome="send to Best debt consolidation loans" > Best debt consolidation loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/home-improvement/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best home improvement loans" data-outcome="send to Best home improvement loans" > Best home improvement loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="1" data-text="Personal loan resources" data-outcome="send to link" > Personal loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="2" data-text="Personal loan lender reviews" data-outcome="send to link" > Personal loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/personal-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="3" data-text="Personal loans calculator" data-outcome="send to link" > Personal loans calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/average-personal-loan-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="4" data-text="Average personal loan interest rates" data-outcome="send to link" > Average personal loan interest rates</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/what-is-a-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="1" data-text="Personal loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Personal loan basics</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/how-to-get-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="2" data-text="How to get a personal loan" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a personal loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/rates/" class="SiteNavPrimaryLink" target="" > Best auto loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" > Best auto loan refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" > Best car loans for bad credit</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="1" data-text="Auto loan resources" data-outcome="send to link" > Auto loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="2" data-text="Auto loan lender reviews" data-outcome="send to link" > Auto loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="3" data-text="Auto loan calculator" data-outcome="send to link" > Auto loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-refinancing-guide/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="4" data-text="Auto loan refinancing guide" data-outcome="send to link" > Auto loan refinancing guide</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/how-to-get-the-best-auto-loan-rate/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="1" data-text="How to get the best auto loan rate" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get the best auto loan rate</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/what-is-an-auto-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="2" data-text="Auto loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto loan basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Student loan rates" data-outcome="send to Student loan rates" > Student loan rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Student loan refinancing rates" data-outcome="send to Student loan refinancing rates" > Student loan refinancing rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/private-student-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best private student loans" data-outcome="send to Best private student loans" > Best private student loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best bad credit student loans" data-outcome="send to Best bad credit student loans" > Best bad credit student loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="1" data-text="Student loan resources" data-outcome="send to link" > Student loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="2" data-text="Student loan lender reviews" data-outcome="send to link" > Student loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="3" data-text="Student loan calculator" data-outcome="send to link" > Student loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="4" data-text="Student loan refinance calculator" data-outcome="send to link" > Student loan refinance calculator</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/private-student-loans-guide/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Student loans subcategory link" data-position="1" data-text="Private student loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Private student loan basics</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/how-to-get-student-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Student loans subcategory link" data-position="2" data-text="How to get a student loan" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a student loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/best-small-business-loans/" class="SiteNavPrimaryLink" target="" > Best small business loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/bad-credit-business-loans/" class="SiteNavPrimaryLink" target="" > Bad credit small business loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/business-line-of-credit/" class="SiteNavPrimaryLink" target="" > Business lines of credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/best-banks-for-small-business-loans/" class="SiteNavPrimaryLink" target="" > Small business loan banks</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/small-business/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - 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'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="HELOC" data-position="1"> HELOC<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 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mobile nav" data-position="bottom" data-text="Explore all Home equity resources" data-outcome="send to link" > Explore all home equity resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Home equity category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Home equity</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">HELOC </p> <p class="SiteNavTopicOverview-copy">A HELOC is a variable-rate line of credit that lets you borrow funds for a set period and repay them later.</p> <a href="/home-equity/heloc-rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - HELOC subcategory CTA" data-position="1" data-text="HELOC Rates" data-outcome="send to link" data-category="Home equity"> HELOC Rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Home equity basics </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="1" data-text="Best HELOC lenders" data-outcome="send to link" > Best HELOC lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="2" data-text="HELOC calculator" data-outcome="send to link" > HELOC calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-heloc/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="3" data-text="What is a HELOC?" data-outcome="send to link" > What is a HELOC?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-of-home-equity-lines/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="4" data-text="Pros and cons of HELOCs" data-outcome="send to link" > Pros and cons of HELOCs</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="5" data-text="Home equity lender reviews" data-outcome="send to link" > Home equity lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/what-is-home-equity/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="1" data-text="What is home equity?" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">What is home equity?</span> <span class="SiteNavFeaturedLink-supportText">8 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/how-to-calculate-equity-in-your-home/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="2" data-text="How to calculate home equity" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp)" alt="Home purchase"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to calculate home equity</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Home equity loans </p> <p class="SiteNavTopicOverview-copy">Home equity loans let you borrow a lump sum at a fixed rate, based on how much of the home you own outright.</p> <a href="/home-equity/home-equity-loan-rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory CTA" data-position="1" data-text="Home equity loan rates" data-outcome="send to link" data-category="Home equity"> Home equity loan rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="1" data-text="What is a home equity loan?" data-outcome="send to link" > What is a home equity loan?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="2" data-text="Home equity loan pros and cons" data-outcome="send to link" > Home equity loan pros and cons</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/requirements-to-borrow-from-home-equity/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="3" data-text="Home equity loan requirements" data-outcome="send to link" > Home equity loan requirements</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/home-equity-loan-vs-line-of-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="4" data-text="HELOC vs home equity loan" data-outcome="send to link" > HELOC vs home equity loan</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/how-to-build-equity-in-your-home/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="5" data-text="How to build home equity" data-outcome="send to link" > How to build home equity</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-loan-lenders/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="1" data-text="Best home equity loan lenders" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best home equity loan lenders</span> <span class="SiteNavFeaturedLink-supportText">Compare top home equity lenders</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-calculator/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="2" data-text="Home equity calculator" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp)" alt="CD Rates"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Home equity calculator</span> <span class="SiteNavFeaturedLink-supportText">Calculate how much you can borrow</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/home-equity/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Home equity hub link - 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mobile nav" data-position="bottom" data-text="Explore all Insurance resources" data-outcome="send to link" > Explore all insurance resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Insurance category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Insurance</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/best-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/cheap-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Cheapest car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/rates/" class="SiteNavPrimaryLink" target="" > Compare car insurance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/average-cost-of-car-insurance/" class="SiteNavPrimaryLink" target="" > How much is car insurance?</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/allstate/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="1" data-text="Allstate insurance review" data-outcome="send to link" > Allstate insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/erie/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="2" data-text="Erie insurance review" data-outcome="send to link" > Erie insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/progressive/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="3" data-text="Progressive insurance review" data-outcome="send to link" > Progressive insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/state-farm/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="4" data-text="State Farm insurance review" data-outcome="send to link" > State Farm insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="5" data-text="All insurance company reviews" data-outcome="send to link" > All insurance company reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/states/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="1" data-text="Auto insurance by state" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto insurance by state</span> <span class="SiteNavFeaturedLink-supportText">Compare rates in your state</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="2" data-text="Car insurance resources" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Car insurance resources</span> <span class="SiteNavFeaturedLink-supportText">Learn more about auto insurance</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/best-home-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/cheap-homeowners-insurance/" class="SiteNavPrimaryLink" target="" > Cheapest home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/home-insurance-quotes/" class="SiteNavPrimaryLink" target="" > Home insurance quotes</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/homeowners-insurance-cost/" class="SiteNavPrimaryLink" target="" > How much is homeowners insurance?</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/kin/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="1" data-text="Kin insurance review" data-outcome="send to link" > Kin insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/hippo-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="2" data-text="Hippo insurance review" data-outcome="send to link" > Hippo insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/lemonade/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="3" data-text="Lemonade insurance review" data-outcome="send to link" > Lemonade insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/citizens-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - 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data-cy="linkPanel-a420bf24-3f92-4fea-a446-b22ee20b8b85" class="w-full" data-js-selector="link-panel"> <h4 class="type-heading-six uppercase mb-6 pb-4 border-b border-solid border-gray"> On this page</h4> <ul class="List mb-0"> <li class="mb-6"> <a class="panel-link type-body-one" href="#how-do-helocs-work" > <span class="panel-link__text">How do HELOCs work?</span> </a> </li> <li class="mb-6"> <a class="panel-link type-body-one" href="#pros-and-cons" > <span class="panel-link__text">Pros and cons of HELOCs</span> </a> </li> <li class="mb-6"> <a class="panel-link type-body-one" href="#what-are-helocs-used-for" > <span class="panel-link__text">What are HELOCs used for?</span> </a> </li> <li class="mb-6"> <a class="panel-link type-body-one" href="#heloc-payment-factor" > <span class="panel-link__text">Factors that affect your HELOC payment</span> </a> </li> <li class="mb-6"> <a class="panel-link type-body-one" href="#heloan-vs-heloc" > <span class="panel-link__text">Home equity loans vs. HELOCs</span> </a> </li> <li class="mb-6"> <a class="panel-link type-body-one" href="#heloc-vs-refi" > <span class="panel-link__text">HELOC vs. mortgage refinance</span> </a> </li> <li class="mb-6"> <a class="panel-link type-body-one" href="#refinancing-a-heloc" > <span class="panel-link__text">Refinancing your HELOC</span> </a> </li> <li class=""> <a class="panel-link type-body-one" href="#paying-off-a-heloc" > <span class="panel-link__text">Paying off a HELOC</span> </a> </li> </ul> </nav> </aside> <div class="CalculatorContent-main Richtext col-span-12 md:col-span-8 pb-16"> <div data-cy="calculatorContentMain" class=""> <div data-campaign="Bankrate Home Equity Calculator Pages" data-widget-id="d34a9b12-1b9d-4ea6-b103-4800e5f465fa"class="myFinance-widget"></div> <div id="how-do-helocs-work"data-cy="how-do-helocs-work" class="Headline w-full"> <h2 class="type-heading-two trsy-heading-2"> How do HELOCs work? </h2> </div> <div class="wysiwyg display-block w-full has-links"> <p>A HELOC is a revolving, open line of credit. It works much like a credit card — you are able to use it as needed, repay the funds and then tap it again. However, a HELOC has some benefits over credit cards. One is that the amount you can borrow on your HELOC is likely to be higher than the balance limit on your credit card (think five figures instead of four). Another is that HELOCs currently have single-digit interest rates, compared to the 16 percent or more you’ll pay if you carry a balance on a credit card.</p> <p>HELOCs generally have a variable interest rate and an initial draw period that can last as long as 10 years. During that time, you can make interest-only payments. Once the <a class="Link" href="https://www.bankrate.com/home-equity/heloc-refinance-draw-period-ends/">draw period ends</a>, there’s a repayment period, during which interest and principal must be paid. You can no longer withdraw funds.</p> <p>A word of caution: With a line of credit, it can be easy to get in over your head by using more money than you are prepared to pay back. The variable payments can also create financial challenges. </p></div> <div id="pros-and-cons"data-cy="pros-and-cons" class="Headline w-full"> <h2 class="type-heading-two trsy-heading-2"> What are the pros and cons of a HELOC? </h2> </div> <div class="ProsAndConsTable"> <div class="ProsAndConsItem"> <div class="ProsAndConsItem-headerContainer"> <div> <img src="https://www.bankrate.com/v5.1699.0/next/img/svg/circle-check.svg" alt="Green circle with a checkmark inside"> </div> <h3 class="ProsAndConsItem-header"> Pros </h3> </div> <ul class="ProsAndConsItem-list"> <li>Lower APRs than credit cards</li> <li>Tax-deductible interest (depending on use of funds)</li> <li>Flexible withdrawals and repayments</li> <li>Potential boost to credit history</li> <li>Less paperwork and fees than a cash-out refinance</li> </ul> </div> <div class="ProsAndConsItem"> <div class="ProsAndConsItem-headerContainer"> <div> <img src="https://www.bankrate.com/v5.1699.0/next/img/svg/remove-circle.svg" alt="Red circle with an X inside"> </div> <h3 class="ProsAndConsItem-header"> Cons </h3> </div> <ul class="ProsAndConsItem-list"> <li>Higher APRs than mortgages</li> <li>Home becomes collateral for the loan</li> <li>Borrower’s home equity stake is reduced</li> <li>Interest rate and monthly payments could rise</li> <li>Potential to run up big balance quickly</li> </ul> </div> </div> <div id="what-are-helocs-used-for"data-cy="what-are-helocs-used-for" class="Headline w-full"> <h2 class="type-heading-two trsy-heading-2"> What are HELOCs used for? </h2> </div> <div class="wysiwyg display-block w-full has-links"> <p>You can use the proceeds from your HELOC for anything. That’s a lot of financial freedom, so it’s useful to have some guidelines about how to spend the money. A few options, and whether they make sense:</p> <ul> <li><a class="Link" href="https://www.bankrate.com/home-equity/home-equity-for-improvement-renovation/"><strong>Home improvements and repairs</strong></a><strong>: Yes.</strong> Using home equity to pay for kitchen renovations and bathroom updates is a no-brainer. These upgrades add to functionality and (generally) the resale value of your home. If you need a new air conditioner, for example, a HELOC is cheaper than carrying a credit card balance. However, be careful about using HELOCs to add a swimming pool or tennis court — these additions are expensive, and homeowners usually don’t recoup the full amount of the investment.</li> <li><a class="Link" href="https://www.bankrate.com/home-equity/use-home-equity-to-consolidate-debt/"><strong>Consolidating deb</strong><strong>t</strong></a><strong>: Maybe.</strong> If you’re carrying credit card debt and paying double-digit interest rates, it could make sense to swap out expensive revolving debt for cheaper HELOC debt. This strategy comes with a big caveat, however: Pull cash out of your house to pay off the credit cards only if you’re not going to simply run up more debt. Otherwise, you’ll have the unfortunate combination of less home equity and an overhang of credit card balances.</li> <li><strong>Investing: Probably not.</strong> Tapping home equity at 3 percent to <a class="Link" href="https://www.bankrate.com/mortgages/pay-down-your-mortgage-or-borrow-against-your-home-to-invest/">fatten up your retirement savings</a> made sense. However, using a home equity line of credit at 7.5 percent today probably isn’t ideal. Additionally, proceed with caution when using a <a class="Link" href="https://www.bankrate.com/home-equity/heloc-on-investment-property/#comparison">HELOC on an investment property</a>. While you can access cash at a cheaper rate than other forms of borrowing, you could end up underwater if your property loses value. </li> <li><strong>Paying down student loans: Maybe.</strong> This one is a bit of a gray area. If you want to <a class="Link" href="https://www.bankrate.com/home-equity/should-you-use-equity-to-pay-for-college/">pay for your child’s college education</a>, it can make sense to tap into your home equity. The same goes if you still carry student loans from private lenders: In contrast to federal loans, private student loans carry higher rates and less flexibility. Federal loans have lower rates and more safeguards around financial hardships, so there’s no hurry to pay them down.</li> <li><strong>Going on vacation or buying electronics: Hard no.</strong> Real estate is a long-lived asset that will give you years of use and almost certainly gain value. A Caribbean cruise or a gaming console, on the other hand, will be long forgotten even if you’re paying it off for decades. If a HELOC is your only option for paying for a vacation or another big-ticket item, better to put the purchase on hold.</li> </ul></div> <div id="heloc-payment-factor"data-cy="heloc-payment-factor" class="Headline w-full"> <h2 class="type-heading-two trsy-heading-2"> Factors that affect your HELOC payments </h2> </div> <div class="wysiwyg display-block w-full has-links"> <h3>APR</h3> <p>HELOCs typically have variable rates, and the most relevant figure to you as a borrower is the APR, or annual percentage rate. It’s not uncommon for lenders to offer a low promotional rate for six months to a year. Your APR then will adjust to the market rate. After that, your HELOC rate will move up and down with interest rates.</p> <h3>The age of the loan</h3> <p>HELOC repayment is unusual in that not only will your required payments change over time, the method used to calculate those payments will also change. Typically, a HELOC has two distinct stages: a draw period and a repayment period. The draw period is the first stage, usually lasting between five and 10 years. During this period, your minimum monthly payments will be equal to the amount of interest that accrued that month. That means the interest rate of the HELOC and its current balance will determine the payment.</p> <p>As you draw more funds from the line of credit, the amount of the minimum payment will rise (even though it only covers accrued interest, that interest is applying to a larger balance). Changes in the interest rate will also change your required payment. With most HELOCs, you can also opt to pay more than the minimum, to lower outstanding the balance during the draw period.</p> <p>Once the draw period ends, you’ll enter the repayment period. During this phase, which can be as long as 20 years, you’ll have to make payments that cover interest and a portion of the loan’s principal. That means your payment will increase when the draw period ends and the repayment period begins.</p> <h3>Rate Caps</h3> <p>Be sure to find out the maximum interest rate on your HELOC. HELOCs carry lifetime interest rate caps -- so even if the prime rate rises and surpasses your rate cap, your HELOC rate by law can’t increase any further. If you have an existing HELOC, you can attempt to negotiate a lower rate with your lender. “Ask your current HELOC lender if they will fix the interest rate on your outstanding balance,” says Greg McBride, chief financial analyst at Bankrate. “Some lenders offer this, many do not. But it is worth asking the question.”</p> <h3>Interest rate fluctuations </h3> <p>The Federal Reserve's interest rate moves directly impact what you pay for a HELOC. When the Fed lowers rates, the prime rate, which is what most HELOCs are based on, usually falls. When the Fed raises rates, the opposite generally happens:  Your rate may climb, making borrowing (and your monthly payments) more expensive.</p></div> <div class="bankrate-insight"> <div class="border-l-4 border-blue bg-white p-8 h-full display-flex flex-direction-column sm:flex-direction-row box-shadow-1 rounded-md"> <div class="Icon flex-shrink-0 Icon--md mb-6 mx-auto sm:mr-8"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Lightbulb Icon</title><path d="M10.725 18.804c.22 2.389 1.25 4.196 2.486 4.196 1.243 0 2.277-1.825 2.49-4.23a.66.66 0 0 0 .08-.318c0-.667.458-1.22 1.042-1.918l.013-.015c.787-.949 1.764-2.125 1.764-4.025C18.6 9.844 16.429 7 13.2 7c-3.23 0-5.4 2.837-5.4 5.486 0 1.918.979 3.105 1.768 4.056l.028.033c.563.683 1.007 1.221 1.022 1.885.003.13.042.247.107.344Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M12 4.386a.698.698 0 0 1-.692-.7V1.7c0-.385.311-.7.692-.7.38 0 .692.315.692.7v1.986c0 .385-.312.7-.692.7Zm-5.557 2.32h.005-.01.005Zm.489-.202a.674.674 0 0 1-.489.202.728.728 0 0 1-.488-.202l-1.384-1.4a.708.708 0 0 1 0-.988.689.689 0 0 1 .977 0l1.384 1.4a.708.708 0 0 1 0 .988Zm6.529 11.454c0 .385.311.7.692.7v.009c.38 0 .692-.315.692-.7 0-.718.501-1.313 1.141-2.065l.014-.016c.863-1.021 1.932-2.287 1.932-4.333 0-2.852-2.378-5.915-5.916-5.915-3.537 0-5.916 3.054-5.916 5.906 0 2.065 1.073 3.343 1.938 4.367l.03.036c.617.735 1.103 1.314 1.12 2.029.009.385.32.673.71.682.38-.009.674-.332.674-.717-.026-1.225-.761-2.1-1.479-2.95-.83-.98-1.609-1.907-1.609-3.455 0-2.18 1.825-4.507 4.532-4.507 2.708 0 4.533 2.337 4.533 4.515 0 1.526-.807 2.484-1.587 3.412l-.022.027-.008.01c-.724.854-1.471 1.736-1.471 2.965Zm-.008-4.051-.744.752v2.774c0 .385-.312.7-.692.7a.698.698 0 0 1-.692-.7v-2.774l-.796-.805a.708.708 0 0 1 0-.988.688.688 0 0 1 .978 0l.51.516.458-.464a.688.688 0 0 1 .978 0 .708.708 0 0 1 0 .989ZM2.192 12.322h1.955c.38 0 .692-.314.692-.7 0-.384-.312-.7-.692-.7H2.192a.698.698 0 0 0-.692.7c0 .386.311.7.692.7Zm11.84 8.252h-3.918a.698.698 0 0 1-.692-.7c0-.385.311-.7.692-.7h3.918c.38 0 .692.315.692.7 0 .385-.312.7-.692.7Zm-3 1.986h1.963c.38 0 .692-.315.692-.7 0-.385-.312-.7-.692-.7H11.03a.698.698 0 0 0-.692.7c0 .385.312.7.692.7Zm10.776-10.237h-1.955a.698.698 0 0 1-.692-.7c0-.385.312-.7.692-.7h1.955c.38 0 .692.315.692.7 0 .385-.311.7-.692.7Zm-4.259-5.617a.33.33 0 0 0 .003 0h-.008.005Zm-.49-.202c.138.13.31.2.49.202a.674.674 0 0 0 .488-.202l1.384-1.4a.708.708 0 0 0 0-.988.689.689 0 0 0-.978 0l-1.384 1.4a.708.708 0 0 0 0 .988Z" class="icon-base"/></svg></div> <div class="flex-grow"> <h4 class="mt-0 mb-4 max-w text-center sm:text-left"> What is a fixed-rate HELOC? </h4> <div class="type-body-one text-slate text-center sm:text-left mb-0-last-child"> <div class="wysiwyg display-block w-full has-links"> <p>Lenders have begun to offer a new type of HELOC, one with a <a class="Link" href="https://www.bankrate.com/home-equity/heloc-with-fixed-rate-option/">fixed rate</a>. It allows you to freeze a portion or all of your balance at a non-fluctuating interest rate. This type of HELOC protects you from upward moves in interest rates, allowing for more stable monthly payments. Of course, if interest rates fall, you won’t benefit from the decline, either.</p></div> </div> </div> </div> </div> <div class="vertical-spacer pt-6 trsy-pt-[--pt] w-full" style="content: ''; --pt: 1.5rem"></div> <div id="heloan-vs-heloc"data-cy="heloan-vs-heloc" class="Headline w-full"> <h2 class="type-heading-two trsy-heading-2"> Home equity loans vs. HELOCs </h2> </div> <div class="wysiwyg display-block w-full has-links"> <p>Home equity loans and HELOCs are two types of loans that use the value of your house as collateral. They’re both considered <a class="Link" href="https://www.bankrate.com/home-equity/what-is-a-second-mortgage/">second mortgages</a>. The main difference between them is that with home equity loans you get one lump sum of money, whereas HELOCs are lines of credit that you can draw from as needed. While HELOC interest is only charged on the funds you withdraw, a home equity loan’s interest is charged on the entire amount.  </p> <p>Additionally, with a home equity loan, you have a set repayment period and a fixed interest rate, meaning your monthly payment will never change. If you’re looking to spend as you go — and only pay for what you’ve borrowed, when you’ve borrowed it — a HELOC is probably a better option. Conversely, if you know exactly how much you need upfront, a home equity loan could be a better option than a HELOC.</p></div> <div id="heloc-vs-refi"data-cy="heloc-vs-refi" class="Headline w-full"> <h2 class="type-heading-two trsy-heading-2"> HELOC vs. mortgage refinance </h2> </div> <div class="wysiwyg display-block w-full has-links"> <p>A HELOC isn’t the only way to tap your home equity for cash. You also can use a <a class="Link" href="https://www.bankrate.com/mortgages/cash-out-refinancing/">cash-out refinance</a> to raise money for renovations or other uses. A cash-out refi replaces your existing mortgage with a new mortgage that’s larger than your current outstanding balance. You receive the difference in a lump sum of cash when the new loan closes. Many lenders let you refinance and borrow up to 80 percent of your home’s value.</p> <p>In 2021, when mortgage rates were at record lows, the smart move was to take a cash-out refi and lock in a super-low rate. However, the sharp runup in mortgage rates in 2022 and 2023 makes a cash-out refinance an unattractive option – you trade in your entire mortgage balance for a new rate. If you locked in a mortgage rate of 3 percent, for instance, a new cash-out refinance now likely won’t make sense.</p> <p>A HELOC lets you keep your old mortgage intact. So only the new funds you draw from it are based on higher rates. A HELOC also tends to come with fewer fees and closing costs than a cash-out refi.</p></div> <div class="SupplementaryLink"> Learn more: <a class=" " href="https://www.bankrate.com/home-equity/home-equity-loan-heloc-or-cash-out-refi/" target=""data-beam-element-clicked data-type="link" data-location="https://www.bankrate.com/home-equity/heloc-calculator/" data-name="Learn more link" data-position="middle" data-text="Home equity loan or HELOC vs. cash-out mortgage refinance" data-outcome="send to page" > Home equity loan or HELOC vs. cash-out mortgage refinance</a> </div> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <div id="refinancing-a-heloc"data-cy="refinancing-a-heloc" class="Headline w-full"> <h2 class="type-heading-two trsy-heading-2"> Refinancing your HELOC </h2> </div> <div class="wysiwyg display-block w-full has-links"> <p>HELOC payments tend to get more expensive over time. There are two reasons for this: adjustable rates and entering the repayment phase of the loan.</p> <p>HELOCs are variable-rate loans, which means your interest rate will adjust periodically. In a rising-rate environment, this could mean larger monthly payments.</p> <p>Additionally, once the draw period ends borrowers are responsible for both the principal and interest. This steep rise in the monthly HELOC payment can be a shock to borrowers who were making interest-only payments for the first 10 or 15 years. Sometimes the new HELOC payment can double or even triple what the borrower was paying for the last decade.</p> <p>To save money, borrowers can refinance their HELOC. Here we’ll take a look at two options and how they work.</p> <ul> <li><strong>Home Equity Loan</strong> - You can take out a <a class="Link" href="https://www.bankrate.com/home-equity/what-is-home-equity-loan/">home equity loan</a>, which has a fixed rate, and use this new loan to pay off the HELOC. The advantage of doing this is that you could dodge those rate adjustments. The disadvantage is that you would be responsible for paying closing costs.</li> <li><strong>New HELOC</strong> - Apply for a new HELOC to replace the old one. This allows you to avoid that principal and interest payment while keeping your line of credit open. If you have improved your credit since you got the first HELOC, you might even qualify for a lower interest rate.</li> </ul> <p>If you’re interested in refinancing with a HELOC or home equity loan, use Bankrate’s <a class="Link" href="https://www.bankrate.com/home-equity/home-equity-loan-rates/" target="_blank" rel="noopener">home equity loan rates table</a> to see current rates.</p> <h3>Refinancing your HELOC into a home equity loan</h3> <p>Some HELOCs give you the option, when the draw period ends, to <a class="Link" href="https://www.bankrate.com/home-equity/ways-to-refinance-heloc/">refinance into a fixed-rate debt product</a> — a home equity loan. (You can also look into doing this during the draw period, of course.) If you’re looking for certainty around payment amounts and interest rates, it might make sense to refinance a HELOC into a home equity loan.</p> <p>The advantage of doing this is that you could dodge those rate adjustments. The disadvantage is that you would incur closing costs on the home equity loan.</p></div> <div id="paying-off-a-heloc"data-cy="paying-off-a-heloc" class="Headline w-full"> <h2 class="type-heading-two trsy-heading-2"> Paying off a HELOC </h2> </div> <div class="wysiwyg display-block w-full has-links"> <p>With a HELOC, you only owe (and accrue interest on) what you actually borrow. For example, if you’re extended $50,000 and use just $25,000, then you only owe $25,000.</p> <p>During the draw period, you have several repayment options. Many HELOCs allow borrowers to make interest only payments during the draw period, which can vary. But of course you can make more than the minimum payment, if you choose — decreasing the outstanding balance on the credit line.</p> <p>Normally, draw periods last between 10 and 15 years. When that period ends, you must make both principal and interest payments.</p> <p>HELOC repayment periods can last for decades. You have the option to repay on that schedule, or you can try to pay it off sooner, and terminate the arrangement. You might even pay it all off during the draw period, if you’re confident you won’t need any more funds. However, some HELOC lenders charge a fee for ending early; these  <a class="Link" href="https://www.bankrate.com/home-equity/heloc-prepayment-penalty/">prepayment penalties</a> are usually a few hundred dollars. Before you <a class="Link" href="https://www.bankrate.com/home-equity/reasons-to-use-home-equity/">commit to a line of credit</a>, be sure you read and understand the fine print. — that’s where prepayment fee info is usually buried. By law, lenders have to indicate if they impose one, but bear in mind that it could be called something else, such as an “early termination fee.”</p></div> <section id="" class="section-wrapper trsy-bg-[--bg-color] bg-gray-light py-12 trsy-py-[--py] gutter gutter" style="--py: 3rem; --bg-color: var(--color-gray-light);"> <div class="wrapper wrapper"> <div data-cy="" class="Headline w-full"> <h2 class="type-heading-two trsy-heading-2"> View home equity line of credit rates </h2> </div> <section id="" class=" no-gutter trsy-bg-[--bg-color] bg-transparent section-wrapper" style="--bg-color: var(--color-transparent);"> <div class="wrapper wrapper section "> <div class="section__column md:justify-content-center" style="max-width: 80%"> <div class="wysiwyg display-inline has-links"> <div>Explore Bankrate's expert picks for the best home equity lines of credit.</div></div> </div> <div class="section__column mt-12 md:mt-0 md:justify-content-flex-start md:align-items-flex-end" style="max-width: 20%"> <a href="https://www.bankrate.com/home-equity/heloc-rates/" class="Button Button--primary Button--normal"data-beam-element-clicked-no-delay id="" data-type="button" data-location="calculator rate table cta" data-name="" data-position="above calculator" data-text="view rates" data-outcome="home equity heloc rate table"> <span class="display-flex align-items-center justify-content-center gap-x-2"> HELOC RATES</span></a> </div> </div> </section></div> </section> </div> </div> </div> </section> </main> </div> <footer data-swiftype-index="false"class="global-footer"> <div class="global-footer__container"> <h2 class="global-footer__logo-container"> <a href="https://www.bankrate.com/"> <span class="global-footer__logo-text">Bankrate logo</span> <svg width="120" height="24" width="100" height="20" viewBox="0 0 400 80" xmlns="http://www.w3.org/2000/svg" focusable="false"> <title>Bankrate</title> <g fill="#151515"> <path d="m100.16 78.16v-8.16h-.16c-3.75 6.26-10.42 9.5-18 9.5-15.45 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