Actually, we have a 15 year interest only HELOC that is adjustable at -.5 on the Prime Rate (currently paying 2.75%, before tax deduction). We do have the cash to pay it off but as long as we can get an after tax rate that beats that we plan to keep it.
Currently, I believe PENFED (www.penfed.org
) has the best rates for fixed or adjustable mortgages.. You can join, if not otherwise qualified, for a $20 membership as indicated on their web site.
BTW I would take Bankrate information with a "grain of salt" - they tend to ignore credit unions which IMO have better rates (both mortgages and savings).