 In 2021, they were down to 2.5%. Today, they're closer to 7.5%. Will they go up? Will they go down? That is unknowable. But credit card debt is an all-time high, and it's usually over 20%. So maybe you have a 2.5% interest rate right now, and you're afraid to lose it. But it might make sense to refinance if you have credit card debt. We've been able to help people save over $700 a month by doing a cash-out refinance, and we may be able to help you too.