Rates
Current rates
Seven figures, each from the body that publishes it, each shown exactly as published and dated. A rate is a starting point for a calculation, not an answer — every one here links to the tool it belongs in.
Home
30-year fixed mortgage
7.03%September 24, 2026 · Weekly, Thursdays
A national average across lenders, not a quote. What you are offered depends on your credit, the property and the lender.
Source: Freddie Mac Primary Mortgage Market Survey
Open What's my mortgage payment? →15-year fixed mortgage
6.42%September 24, 2026 · Weekly, Thursdays
Lower rate, higher payment — the shorter term is what buys the rate. Worth running both before assuming it is cheaper.
Source: Freddie Mac Primary Mortgage Market Survey
Open What's my mortgage payment? →Money
10-year Treasury
5.18%September 24, 2026 · Every business day
The closest thing to a risk-free return over ten years, and the usual yardstick for whether an investment is worth its risk.
Source: Board of Governors of the Federal Reserve System (H.15)
Open What return do I need? →30-year Treasury
5.47%September 24, 2026 · Every business day
The long end of the curve. Mortgage rates track it loosely, which is why it moves before the rate you are quoted does.
Source: Board of Governors of the Federal Reserve System (H.15)
Open What return do I need? →12-month CD
1.73%September 1, 2026 · Monthly, third Monday
A national AVERAGE across every insured institution, weighted by deposits — and well below what shopping around finds. Online banks routinely pay several times this. The gap is the point: it is what not shopping costs you.
Source: FDIC national rate
Open What does my savings earn? →Debt
Credit card APR
20.94%May 1, 2026 · Quarterly
Averaged across all credit card accounts at reporting commercial banks. Accounts actually carrying a balance are charged more than this.
Source: Board of Governors of the Federal Reserve System (G.19)
Open Should I snowball or avalanche? →Personal loan, 24-month
11.86%May 1, 2026 · Quarterly
Two-year personal loans at commercial banks. The figure people compare against a credit card when deciding whether consolidating is worth it.
Source: Board of Governors of the Federal Reserve System (G.19)
Open Should I consolidate my debt? →Auto
Two rates that are not here
The S&P 500. The index level is licensed data. S&P Dow Jones Indices marks it as requiring pre-approval and states that reproduction in any form is prohibited without their prior written permission, so republishing it here would need a licence this site does not hold.
A high-yield savings rate. Nobody publishes one authoritatively. The FDIC figure that exists is a national average across every insured institution weighted by deposits — a different thing entirely, and currently a fraction of what online banks advertise. Quoting it as “high-yield” would be false, and quoting a single bank's offer would be an advertisement. The 12-month CD average above is included precisely because the gap between it and what you can find is worth seeing.
Where these come from
Mortgage rates are Freddie Mac's Primary Mortgage Market Survey. Treasury yields and the consumer credit rates are the Federal Reserve Board's H.15 and G.19 releases. The CD rate is the FDIC's national rate. Every figure is retrieved when this site is built, not when you visit, and is shown exactly as its publisher gave it — not rounded, averaged or recomputed.
Each is hidden automatically once it passes the age its publisher's own schedule makes reasonable, so nothing here is presented as current when it is not. They are averages and benchmarks, never quotes: none of them is a rate anybody has offered you.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.