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Federal Reserve decisions, inflation signals, labor data, and the U.S. rate path that shape North American borrowing costs.
Top high-yield savings and short CD offers are still far above the national savings average, giving U.S. households a practical way to earn more on emergency cash without taking market risk.
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Personal Finance
2026-06-05
Markets
May 29, 2026
Mortgages
May 21, 2026
Mortgages
May 20, 2026
Top high-yield savings and short CD offers are still far above the national savings average, giving U.S. households a practical way to earn more on emergency cash without taking market risk.
Read analysisA surprisingly strong US labor market in May gives the Federal Reserve more reason to keep interest rates higher for longer, directly impacting cross-border borrowing costs.
Read analysisWith the overnight rate firm at 2.25%, the Canadian dollar has stabilized against the greenback, capping imported goods inflation but keeping pressure on cross-border shoppers.
Read analysisFreddie Mac's weekly survey put the average 30-year U.S. mortgage rate at 6.51% on May 21, up from 6.36% a week earlier. For households, the sharp move means less room on monthly payments, tighter qualification math, and more pressure to compare lenders before locking a loan.
Read analysisThe average 30-year fixed mortgage rate rose to 6.56% last week, according to Mortgage Bankers Association data reported May 20, while overall applications fell 2.3%. Nearly 10% of borrowers chose adjustable-rate loans, a sign that households are reaching for lower upfront payments as financing costs climb again.
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Federal Reserve data released May 19 show consumer-loan delinquencies at commercial banks remained elevated in the first quarter, while separate Fed research found only 63% of adults could cover a $400 emergency with cash or its equivalent. For households carrying credit-card balances, that is a sign that the margin for error is still thin.
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Hot U.S. inflation data and Canada's trade rebound point to the same problem: North America can absorb an oil shock, but not if firms start treating it as normal.
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The latest policy changes from the Fed ripple through North American markets, impacting everything from tech stocks to Canadian real estate investments.
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A deep dive into how the reversal of ZIRP is fundamentally restructuring corporate debt, retail banking, and fixed-income portfolios across North America in 2026.
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Once reserved for institutional giants, private credit is becoming accessible to retail investors in 2026. Is the yield worth the liquidity risk?
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Moving between the US and Canada usually means starting your credit history from zero. We look at the tools that solve this in 2026.
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The 4% rule was born in a different era. We rethink the math of Financial Independence for the modern 2026 economy.
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With credit card APRs hitting record highs, traditional debt strategies need an upgrade. Here is how to kill high-interest debt in 2026.
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You no longer need $100k for a down payment to own commercial property. We explore the rise of fractional real estate investing in 2026.
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Streaming, software, and recurring memberships now eat a measurable share of disposable income. A method for auditing what you actually use and cancelling the rest.
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Why digital banks are consistently outperforming traditional institutions on high-yield savings, and where to park your cash today.
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Wall Street is buying up starter homes. We look at the data behind the institutional landlord trend and its impact in 2026.
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