Compare savings, home equity, mortgage and investing options, explained plainly.
LanternRates compares financial products side by side and publishes guides that show the math behind each decision. We're paid by some of the companies we list, and we tell you how that works.
Savings accounts
Compare high-yield savings rates from FDIC-insured banks, plus minimums and fees.
Compare savings rates →HELOCs
Compare home equity lines of credit on APR, line size and loan-to-value limits.
Compare HELOC rates →Mortgages
Compare purchase and refinance rates, APRs and points from licensed lenders.
Compare mortgage rates →Investing
Compare online brokers and robo-advisors on fees, minimums and account types.
Compare platforms →Latest guides
All guides- SavingsHow to Build an Emergency Fund, and Where to Keep It
How much to save for emergencies, how to get there on a normal budget, and why a high-yield savings account is usually the right place for the money.
- SavingsHow FDIC Insurance Works: Limits, Joint Accounts and Fintech Apps
What FDIC insurance covers, how the $250,000 limit applies to joint and trust accounts, and the gaps to watch for with fintech savings apps.
- SavingsHigh-Yield Savings vs. CD vs. Money Market Account: Where Your Cash Should Go
How high-yield savings accounts, CDs and money market accounts differ on rate, access and risk, and how to split cash between them.
- HELOCHow Much Can You Borrow With a HELOC? A Step-by-Step Calculation
Work out your possible HELOC limit from your home value, mortgage balance and the lender's CLTV cap, then check what the payments would be.
- HELOCHELOC vs. Home Equity Loan: How to Choose
How HELOCs and home equity loans differ on rates, payments and flexibility, with worked examples for a renovation and a debt payoff.
- MortgageHow to Compare Loan Estimates From Different Lenders
A page-by-page guide to the standard Loan Estimate form, and the five numbers to line up when comparing mortgage offers.
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How we write our guides
Our editors write and fact-check every guide, link to primary sources such as the FDIC, CFPB, IRS and SEC, and show the date each page was last reviewed. Partners never review or approve our content. Read our editorial policy.