Should I Pay Points To Lower Interest Rate?

Current Interest Rates
PRODUCT +/- Rate Last week
30 yr fixed mtg 3.79% 3.75%
15 yr fixed mtg 3.11% 3.02%
5/1 ARM 2.67% 2.66%
View rates in your area:
PRODUCT +/- Rate Last week
$30K HELOC 4.60% 4.59%
$30K home equity loan 5.76% 5.75%
$50K HELOC 4.24% 4.24%
View rates in your area:
PRODUCT +/- Rate Last week
48 month used car loan 4.35% 4.35%
48 month new car loan 3.24% 3.24%
36 month used car loan 4.34% 4.35%
View rates in your area:
PRODUCT +/- Yield Last week
6 month CD 0.46% 0.47%
1 yr CD 0.70% 0.75%
5 yr CD 1.47% 1.48%
Compare Rates:
PRODUCT Rate
Balance Transfer Cards 16.10%
Cash Back Cards 16.36%
Low Interest Cards 10.69%
Compare Rates:
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Loan Info
Amount ($)
Interest (%)
Interest with Points (%)
Loan Length (Yrs)
Additional Info
Points (%)
Savings Rate (%)
Financial Analysis
  Without Points With Points
Amount Financed $250,000.00 $247,500.00
Monthly Payment $1,304.12 $1,229.85
Monthly Payment Savings $74.27
Points Value $2,500.00
Monthly Investment Savings $10.42
True Monthly Savings $63.85
Break Even 3 Yrs 5 Mts

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