For more comparisons or to find rates available in your area, please visit our sister site www.bankingmyway.Some banks are offering special interest rates on checking accounts that are beating the national money market average. First Federal Bank of California, for example, is advertising a 4.16% rate on its interest-bearing checking accounts for California customers, and Salem Five Direct is offering 2.75% for New York checking account customers, according to www.bankingmyway.com. Money market rates fell to a national average of 0.95% this week from 0.97% last week. CD interest rates also ticked down across the board, with three-month CDs offering an average 1.72% this week vs 1.73% last week and 60-month rates averaging 3.36% this week vs. 3.37% last week. For borrowers, mortgage rates, home-equity loans and auto loans are getting more expensive. The average interest rate on a 30-year fixed mortage rose to 6.72% from 6.33% and the 15-year fixed rate jumped to 6.52% from 6.15%. Home-equity loans are costing an average 8.20% in interest for an 84-month term, up from 8.12%. The average interest rate for a 36-month new car loan increased to 6.78% from 6.70%.