Mortgage rates and certain other interest rates have been headed higher lately on signs that the economy may be getting stronger. What if this continued? What would a return to normal interest rates look like? MoneyRates.com ran some calculations on how a return to historically normal interest rates would translate to dollars and cents. But you may want to brace yourself: After such a long period of abnormally low interest rates, you might not recognize a world with normal interest rates. The following are four examples of how a return to normal interest rates could affect personal finances. The first two may seem relatively mild, but the last two could make quite an impact.