Compare financial products on cost, not marketing
Credit cards, personal loans, and high-yield savings, side by side. Every rate is pulled from the provider's published terms, dated, and ranked by what the product actually costs you.
Credit Cards
Rewards get the marketing. The annual percentage rate, the annual fee, and the intro period decide whether the card is worth carrying.
Lowest APR
See terms
0 products tracked
Personal Loans
The advertised rate is the floor, not the price. Origination fees, term length, and the credit score needed for the best tier decide what you actually pay.
Lowest APR
See terms
0 products tracked
High-Yield Savings
APY is the headline, but the account only works if the money is still there when you need it. Every account below is listed with its published APY, minimum balance, and fee structure, and every rate carries the date it was checked..
Best APY
See terms
0 products tracked
Mortgage rates
California credit union rates, scraped and dated
68 posted mortgage rates from member-owned credit unions, with the date each was last checked.
Lowest 30-yr
5.63%
What belongs on this page
A product is listed only when the provider publishes a rate we can source. No estimates, no "rates as low as" lifted from a press release, and no product that quietly stops publishing terms.
Each table shows the full published range, not just the floor. The floor is reserved for the best credit tier, so the top of the range is usually closer to what a typical borrower pays.
Every row links to the provider's own terms. You should always confirm the number at the source before applying, because rates move between checks and a page cannot guarantee a quote.
How we make money. LendyWendy does not get paid a commission on any product listed on this page today. Ranking is based on published rates, fees, and terms. If a product on this page starts paying us, this disclosure will name it before the link goes live. Rates and terms are set by the provider and can change without notice. Confirm every number on the provider's site before you apply.
How we rank
Three rules govern every table on this site. They are the reason a product can be listed without paying for placement, and the reason a high payout never moves a row up.
Total cost first
Every product is scored on what it costs to hold or repay, not on the size of the welcome offer. For loans that means APR plus fees. For cards that means annual fee plus the rate on a carried balance. For savings that means APY net of minimums and fees.
Published terms only
Rates come from the provider's own published terms. Each number carries a source link and the date it was checked. If a provider does not publish the number, the field stays empty instead of being estimated.
Compensation never ranks
Placement is computed from published rates, fees, and terms before any compensation data is applied. A product with no affiliate program can rank first, and a high payout never moves a row up.