{
  "dataset": "rates",
  "title": "Today's US consumer interest rates",
  "asOf": "2026-10-06",
  "refreshSeconds": 21600,
  "rates": [
    {
      "id": "MORTGAGE30US",
      "label": "30-year fixed mortgage",
      "description": "The average rate on America's most common home loan, updated weekly.",
      "value": 7.28,
      "unit": "percent",
      "asOf": "2026-10-01",
      "asOfLabel": "Oct 1, 2026",
      "previous": 7.03,
      "changeFromPrevious": 0.25,
      "yearAgo": 6.34,
      "changeFromYearAgo": 0.94,
      "frequency": "Weekly, Ending Thursday",
      "publisher": "Freddie Mac",
      "publisherUrl": "https://www.freddiemac.com/pmms",
      "seriesUrl": "https://fred.stlouisfed.org/series/MORTGAGE30US",
      "lowerIsBetter": true,
      "calculator": "https://farbetteroff.com/calculators/mortgage-calculator"
    },
    {
      "id": "MORTGAGE15US",
      "label": "15-year fixed mortgage",
      "description": "The shorter, cheaper-rate option. Higher payment, far less total interest.",
      "value": 6.6,
      "unit": "percent",
      "asOf": "2026-10-01",
      "asOfLabel": "Oct 1, 2026",
      "previous": 6.42,
      "changeFromPrevious": 0.18,
      "yearAgo": 5.55,
      "changeFromYearAgo": 1.05,
      "frequency": "Weekly, Ending Thursday",
      "publisher": "Freddie Mac",
      "publisherUrl": "https://www.freddiemac.com/pmms",
      "seriesUrl": "https://fred.stlouisfed.org/series/MORTGAGE15US",
      "lowerIsBetter": true,
      "calculator": "https://farbetteroff.com/calculators/refinance-calculator"
    },
    {
      "id": "DFEDTARU",
      "label": "Fed funds target rate",
      "description": "The Federal Reserve's benchmark. When it moves, savings and card rates follow.",
      "value": 4,
      "unit": "percent",
      "asOf": "2026-10-06",
      "asOfLabel": "Oct 6, 2026",
      "previous": 4,
      "changeFromPrevious": 0,
      "yearAgo": 4.25,
      "changeFromYearAgo": -0.25,
      "frequency": "Daily, 7-Day",
      "publisher": "Federal Reserve Board of Governors",
      "publisherUrl": "https://www.federalreserve.gov/monetarypolicy/openmarket.htm",
      "seriesUrl": "https://fred.stlouisfed.org/series/DFEDTARU",
      "lowerIsBetter": true,
      "calculator": "https://farbetteroff.com/calculators/credit-card-payoff-calculator"
    },
    {
      "id": "SNDR",
      "label": "Average savings account",
      "description": "The national average APY, dragged down by big banks. High-yield accounts pay roughly ten times this.",
      "value": 0.37,
      "unit": "percent",
      "asOf": "2026-09-01",
      "asOfLabel": "Sep 1, 2026",
      "previous": 0.38,
      "changeFromPrevious": -0.01,
      "yearAgo": 0.4,
      "changeFromYearAgo": -0.03,
      "frequency": "Monthly",
      "publisher": "Federal Deposit Insurance Corporation",
      "publisherUrl": "https://www.fdic.gov/national-rates-and-rate-caps",
      "seriesUrl": "https://fred.stlouisfed.org/series/SNDR",
      "lowerIsBetter": false,
      "calculator": "https://farbetteroff.com/calculators/compound-interest-calculator"
    },
    {
      "id": "NDR12MCD",
      "label": "Average 12-month CD",
      "description": "The national average for a 1-year certificate of deposit. Top online banks pay well above it.",
      "value": 1.73,
      "unit": "percent",
      "asOf": "2026-09-01",
      "asOfLabel": "Sep 1, 2026",
      "previous": 1.71,
      "changeFromPrevious": 0.02,
      "yearAgo": 1.7,
      "changeFromYearAgo": 0.03,
      "frequency": "Monthly",
      "publisher": "Federal Deposit Insurance Corporation",
      "publisherUrl": "https://www.fdic.gov/national-rates-and-rate-caps",
      "seriesUrl": "https://fred.stlouisfed.org/series/NDR12MCD",
      "lowerIsBetter": false,
      "calculator": "https://farbetteroff.com/calculators/cd-calculator"
    },
    {
      "id": "DGS10",
      "label": "10-year Treasury yield",
      "description": "The bond market's big dial. Mortgage rates tend to move with it.",
      "value": 5.31,
      "unit": "percent",
      "asOf": "2026-10-05",
      "asOfLabel": "Oct 5, 2026",
      "previous": 5.28,
      "changeFromPrevious": 0.03,
      "yearAgo": 4.18,
      "changeFromYearAgo": 1.13,
      "frequency": "Daily",
      "publisher": "Federal Reserve Board of Governors",
      "publisherUrl": "https://www.federalreserve.gov/releases/h15/",
      "seriesUrl": "https://fred.stlouisfed.org/series/DGS10",
      "lowerIsBetter": true,
      "calculator": "https://farbetteroff.com/calculators/rent-vs-buy-calculator"
    },
    {
      "id": "TERMCBCCINTNS",
      "label": "Average credit card APR",
      "description": "What banks charge on cards that carry a balance — the rate you actually pay if you don't clear the statement. Reported quarterly by the Fed.",
      "value": 22.15,
      "unit": "percent",
      "asOf": "2026-05-01",
      "asOfLabel": "May 1, 2026",
      "previous": 21.52,
      "changeFromPrevious": 0.63,
      "yearAgo": 22.3,
      "changeFromYearAgo": -0.15,
      "frequency": "Monthly",
      "publisher": "Federal Reserve Board of Governors",
      "publisherUrl": "https://www.federalreserve.gov/releases/g19/current/",
      "seriesUrl": "https://fred.stlouisfed.org/series/TERMCBCCINTNS",
      "lowerIsBetter": true,
      "calculator": "https://farbetteroff.com/calculators/credit-card-payoff-calculator"
    },
    {
      "id": "TERMCBAUTO48NS",
      "label": "New car loan (48-month)",
      "description": "The average bank rate on a new-car loan. Used cars and dealer financing usually run higher, so treat this as the floor.",
      "value": 7.47,
      "unit": "percent",
      "asOf": "2026-05-01",
      "asOfLabel": "May 1, 2026",
      "previous": 7.37,
      "changeFromPrevious": 0.1,
      "yearAgo": 7.62,
      "changeFromYearAgo": -0.15,
      "frequency": "Monthly",
      "publisher": "Federal Reserve Board of Governors",
      "publisherUrl": "https://www.federalreserve.gov/releases/g19/current/",
      "seriesUrl": "https://fred.stlouisfed.org/series/TERMCBAUTO48NS",
      "lowerIsBetter": true,
      "calculator": "https://farbetteroff.com/calculators/auto-loan-calculator"
    },
    {
      "id": "TERMCBPER24NS",
      "label": "Personal loan (24-month)",
      "description": "The average bank rate on an unsecured personal loan. Often far below a credit card, which is why consolidating can pay.",
      "value": 11.86,
      "unit": "percent",
      "asOf": "2026-05-01",
      "asOfLabel": "May 1, 2026",
      "previous": 11.36,
      "changeFromPrevious": 0.5,
      "yearAgo": 11.63,
      "changeFromYearAgo": 0.23,
      "frequency": "Monthly",
      "publisher": "Federal Reserve Board of Governors",
      "publisherUrl": "https://www.federalreserve.gov/releases/g19/current/",
      "seriesUrl": "https://fred.stlouisfed.org/series/TERMCBPER24NS",
      "lowerIsBetter": true,
      "calculator": "https://farbetteroff.com/calculators/personal-loan-calculator"
    }
  ],
  "caveats": [
    "National averages, and a national average is not a quote. Every row is what some population of lenders or banks reported; none of them is the rate you will be offered, which depends on your credit, your loan and who you ask.",
    "Each row has its own reading date and they are months apart. The mortgage averages print weekly and the Fed funds target and the Treasury yield daily, but the three Federal Reserve G.19 consumer-credit averages — credit card, new car, personal loan — publish only in February, May, August and November, so theirs can be a quarter old. Read each row's asOf; there is no single date for this table.",
    "The savings and 12-month CD averages are the FDIC's deposit-weighted national rates, which the largest banks' near-zero offers pull far below what a saver shopping around is paid. Quote them as the average, never as what is available.",
    "Readings are served as published, to two decimals. Nothing here is seasonally adjusted.",
    "Educational information, not financial advice."
  ],
  "citation": "Far Better Off, \"Today's rates\", https://farbetteroff.com/rates. Each reading is dated in its own row; cite the row's asOf, not the date you fetched it.",
  "meta": {
    "source": "https://farbetteroff.com",
    "page": "https://farbetteroff.com/rates",
    "docs": "https://farbetteroff.com/api/v1",
    "license": "The readings are published statistics; quote them freely. The two Freddie Mac mortgage averages are provided on the condition that Freddie Mac is cited as their source, which every row's publisher field does.",
    "attribution": "Series retrieved from FRED, Federal Reserve Bank of St. Louis. Each row names the body that published the reading.",
    "disclaimer": "Educational information, not financial advice."
  }
}