The interest rates on mortgages and certificates of deposit (CDs) are a hot topic today, as many Americans are looking to make financial decisions based on the current numbers. According to CBS News, as of November 12, 2025, mortgage rates are on the rise, with the average 30-year fixed-rate mortgage sitting at 4.27%, up from the previous week. This increase is attributed to the Federal Reserve's recent decision to raise short-term interest rates in an effort to combat inflation.

On the other hand, CD interest rates remain relatively stable, with the national average for a 1-year CD hovering around 1.50%. This has been the trend for the past few months, as investors seek safe and secure options for their money. However, experts suggest that CD rates may see an increase in the coming months if the economy continues to recover.

As of November 13, 2025, mortgage rates saw a slight dip compared to the previous day, with the average 30-year fixed-rate mortgage dropping to 4.25%. This change reflects the volatility of the market and the importance of staying informed when making financial decisions. Whether you are in the market for a new home or looking to invest in a CD, today's interest rates are a key factor to consider.