The other night, I was poking around over on MyFICO. They have a 30 day free trial that provides you with access to both your credit report and your FICO credit score. The free credit report isn’t a big deal, as you can get that free no matter what. The credit score, on the other hand, is a bigger deal, as you normally have to pay for this info.

Aside from learning that I currently have a 781 FICO credit score, I ran across some interesting numbers about the effect of your credit score on interest rates. What follows is a breakdown of the numbers for three different loan types.

30 year fixed rate mortgage

These are the numbers for a 30 year fixed rate mortgage. As you can see, the numbers increase by about an eighth of a point at each level while you’re still in “prime” territory.

If you want the best mortgage rates, you’ll need a credit score of more than 760. The other thing you’ll notice is that the rates skyrocket once you drop below 660, which pushes you into subprime territory.

15 year home equity loan

If you’re already in a house and are looking to borrow against your equity for home improvements, you might be interested in home equity loan rates. In this case, there’s a big jump once you dip below 720, and it only gets worse from there.

48 month auto loan

Finally, we have the 48 month auto loan. While I wouldn’t generally recommend borrowing money to buy a car, many people do this, so I thought it would be worth covering. In the case of car loans, the uptick in rates is significantly more pronounced as your credit score drops.

Keep in mind that the above rates are just a snapshot from one point in time. While the overall rates will change, the numbers above will give you an idea of things will vary across.

It’s also worth noting that the credit score ranges differ for the three different types of loans. For example, the top range for a 30 year mortgage is 760-850 whereas the top range for a 15 home equity loan is 740-850. This is how the data were presented, so that’s how I’m giving them to you.

If you’re curious about where you stand in terms of you credit score, you might consider signing up for the MyFICO 30 day trial. Just be sure to cancel before your thirty days are up if you’re not interested in continuing (and paying for) the service.