The latest on interest rates, credit card changes, loan market updates, and money tips from the WiseIQ editorial team.
Last updated: April 2026
The average 30-year fixed mortgage rate dropped to 6.47% this week, according to Freddie Mac's Primary Mortgage Market Survey — the lowest reading since October 2024. The decline follows softer-than-expected inflation data and signals from the Federal Reserve that rate cuts remain on the table for late 2026.
Compare current mortgage rates →Despite the Federal Reserve holding its benchmark rate steady for the third consecutive meeting, top high-yield savings accounts continue to offer APYs above 4.35%. Online banks including Marcus, Ally, and SoFi have maintained competitive rates as they compete for deposits.
Compare high-yield savings rates →The Federal Reserve's G.19 report shows the average credit card interest rate fell to 20.98% in March 2026 — the first month-over-month decline since September 2024. While still historically high, the trend suggests that card issuers are beginning to price in future Fed rate cuts.
Compare credit card rates →Personal loan originations grew 8% year-over-year in Q1 2026, driven primarily by debt consolidation demand. With credit card rates still above 20%, borrowers with good credit are increasingly using personal loans at 11–14% APR to pay down high-interest card balances.
Compare debt consolidation loans →The average FICO score in the U.S. remains at 717, according to myFICO's latest data. However, Gen Z borrowers (ages 18–27) saw the largest year-over-year score improvement of any age group, rising an average of 11 points as more young adults establish credit histories.
Read: How to build credit fast →Updated April 2026
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Sources: Freddie Mac PMMS · Federal Reserve G.19 · myFICO · CFPB · Individual lender disclosures · Last updated: April 2026