To calculate an interest rate, start with the annual percentage rate. Find the monthly rate by dividing by 12, or the daily rate by dividing by 365. Some loans have more than one interest rate, or variable rates. Others charge compound interest, which can complicate the calculation. Netspend Prepaid 5% Interest Rate on up to $1,000 KaiPerm Credit Union 6% APY Account On Balances Up To $1,000 (Membership Restricted) Mega High-Interest (Regional) Below are the regional accounts we’ve reviewed on the site. There are many more as well. [NH, ME] Northeast Credit Union 4% Checking on up to $15,000 That being said, the average rate for a 30-year fixed rate mortgage is up this month to 3.64% according to Freddie Mac (from 3.58% last month). The average rate on a 15-year fixed mortgage is up to 3.16% (from 3.06% a month ago).