Welcome to Jacksonville Banking Rates

Jacksonville Banking Rates is here to help you paint a brighter financial picture, regardless of how much money you make or your credit history. We want to help you find the best bank rates available. Rates options include:

  • Jacksonville, FL mortgage refinance rates
  • Jacksonville, FL insurance rates for homes and automobiles
  • More banking rate information available from US Banking Rates

Our Featured Jacksonville Bank Rate

More Jacksonville Banks

Jax Glidco Employees Credit Union

P.O. Box 389
Jacksonville, FL, 32201

EverBank

501 Riverside Avenue
Jacksonville, FL, 32202

Healthcare's Cooperative Credit Union

9790 Touchton Road
Jacksonville, FL, 32246

First Florida Credit Union

P.O. Box 43310
Jacksonville, FL, 32203

Florida Telco Credit Union

9700 Touchton Road
Jacksonville, FL, 32246

First Coast Credit Union

3040 Edison Avenue
Jacksonville, FL, 32254

See all Jacksonville Banks

Current Jacksonville Rates Update


The 30-year fixed mortgage rate just went lower to 4.72%, so now may be a good time for you to consider refinancing a home or buying one in Jacksonville. Compared to the previous year, mortgage rates were at 5.59% for Jacksonville and the rest of the country. The most recent drop of 0.7% is in reaction to the continually weakening U.S. employment picture, low housing activity after the $8,000 tax credit expired and a growing amount of foreclosures sweeping the nation.

Low Jacksonville home loan rates are still not enough to ignite a rebound in home buying activity however. The current mortgage rate is now approaching the lowest home loan rate in recorded history, which was 4.71% in December of 2009 according to Freddie Mac. Low mortgage rates have been able to get more money into the pockets of consumers due to a flurry of refinancing activity thanks to the lower rates.

One year adjustable mortgages are at 3.91%, down from 3.95% last week. To give a better indication of where rates are from a year ago, 15-year mortgages were at 5.04% and ARM’s at 5.17%. If you plan on refinancing, odds are that home loan rates will not go much lower as they are already near historical lows. Refinancing can help you save more each month to go towards savings or other expenses.


Life Changes Affecting Jacksonville Banking Rates

  • Buying a new home.
  • Taking a big trip to Asia and Australia.
  • Buying a used car for your teenaged son.

Choosing the Right Credit Card for You

If you want to get a hotel room, take out a rental car, or just rent a RedBox movie, then you need a credit card. Even for food, clothing, and other necessities, having a credit card makes your life many times easier. Instead of carrying a huge wad of cash around that you had to go the bank to get, you can just carry around a thin strip of plastic. If it gets stolen, you can shut that card down and replace it with an exact replica. Credit cards help make your life safer and easier.

There are a lot of different types of credit cards out there. Jacksonville Banking Rates has created a list of persona types. Find which one fits you best to discover which credit card is right for you.

  • The Traveler – Do you spend most days away from home, maybe even flying to work every day? For the man or woman who is frequently on the move, an airline or gas rewards credit card might be perfect for you. When you use your card to buy something, you are rewarded with points which can add up to a free flight or cash back for gas money. Earn frequent flyer miles on top of your rewards to make your traveling experience less expensive. Watch for high interest rates and hidden annual fees before you make a decision. If you plan on traveling out of the country, look for a card with no foreign transaction fee.
  • The Financial Expert – For the person who has a really good credit score, an unsecured low interest credit card might be the best option for you. Only available for people with excellent credit scores, these cards offer APRs as low as 9.99%. They also offer the opportunity to transfer balances and require no annual fee. 0% introductory APRs can last up to 18 months. To find your credit score, look at your free credit report online.
  • The Shopper – If you go on a shopping spree every weekend and are a big spender, a rewards credit card could benefit you immensely. Similarly to airline cards, they offer cash back and other prizes for putting expenses on your card. Rack up points to win cash back, gift cards, reduced hotel and rental car expenses, unique vacations, and much more. Take advantage of your spending to reap some rewards in return. Look for annual fees and length of grace periods before choosing.
  • The College Student – Do you have little to no credit history? If so, a student credit card will be perfect for you. Credit card companies understand that young people do not have the advantage of a lengthy credit history. These cards provide high school and college students, as well as other young people, with the chance to own a credit card without high interest rates. Look to see whether the card requires a cosigner and how long the period of introductory APR is.
  • The Misfit – If you do not fit into any of the above categories then you might be a misfit. Usually that means you are an adult with bad credit. Credit card companies also have cards for you. Consider getting a secured credit card. These require some type of collateral money which can be taken by the company if you default on your loan. These allow you to get a better interest rate than you could get with an unsecured credit card, where you could be paying over 20% APR. Check carefully for hidden annual fees and increases in interest in the case of a late payment.

Get the Best Rates in Jacksonville, FL

Jacksonville Banking Rates is a free resource for consumers to help them find the right rates that best suit their needs. Jacksonville Banking Rates works with thousands of Banks, Lenders, Mortgage Companies, Credit Card Companies and other financial institutions to bring you the most up-to-date interest rates, savings rates and loan rates.

Jacksonville Banking Rates also can match you with the best local companies based on your current credit rating and credit score. No matter what your credit score is, Jacksonville Banking Rates has special relationships with companies who can get you what you are looking for; including: the best Refinance Rates, great CD and Savings Rates, low interest rates for Auto Loans, and thousands of low rate credit cards to match everyone’s needs.

If you do not know your Current Credit Score, you can also access a Free Credit Report and Score through our partner Go Free Credit. This will not only give you your current Credit Report and Credit Score, but also keep you aware of items that can damage your credit score and protect you against identity theft.

Let us know what type of Rate that you are interested in, and your current Credit Score, and we will find the best companies that you should work with. Our service is 100% free to all consumers along with our Free Rate Alerts to keep you up-to-date on interest rates and rate news from our experts.tes. Take your time, research our partners, find the best Rates for you. You can also email us anytime with questions you have about comparing rates, rate quotes, interest rates or other information you need to better understand how to get the best rates for you!

Free Rate Resources in Jacksonville, FL

Jacksonville Banking Rates is rapidly becoming the premier Jacksonville interest rate source. By working with thousands of financial companies, Jacksonville Banking Rates has up-to-date Interest Rates, news and Rate information across many products and services including:

Jacksonville Banking Rates specializes on putting people together with companies who want their business. If you have a great Credit Score, Jacksonville Banking Rates has banks, lenders and credit card companies who can get you the lowest rates based on your situation, if you have a not-so-great Credit Score, Jacksonville Banking Rates has just as many partners who can find the best rates for your based on your needs.

Our site will add thousands of new partners every year that want to work with you to get you the Best Rates. Take your time, research our partners, find the best Rates for you. You can also email us anytime with questions you have about comparing rates, rate quotes, interest rates or other information you need to better understand how to get the best rates for you!


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