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Today's rates

The rates that actually move your money, pulled straight from Federal Reserve data and refreshed through the day. Each one links to the calculator where it matters.

Checked October 7, 2026 · source: FRED, Federal Reserve Bank of St. Louis

30-year fixed mortgage

7.28%

▲ 0.25 vs last reading▲ 0.94 vs a year ago

Past 12 months · as of Oct 1, 2026

The average rate on America's most common home loan, updated weekly.

See your payment at this rate →

15-year fixed mortgage

6.60%

▲ 0.18 vs last reading▲ 1.05 vs a year ago

Past 12 months · as of Oct 1, 2026

The shorter, cheaper-rate option. Higher payment, far less total interest.

Check if refinancing wins →

Fed funds target rate

4.00%

flat vs last reading▼ 0.25 vs a year ago

Past 12 months · as of Oct 6, 2026

The Federal Reserve's benchmark. When it moves, savings and card rates follow.

Plan your card payoff →

Average savings account

0.37%

▼ 0.01 vs last reading▼ 0.03 vs a year ago

Past 12 months · as of Sep 1, 2026

The national average APY, dragged down by big banks. High-yield accounts pay roughly ten times this.

See what a better rate earns →

Average 12-month CD

1.73%

▲ 0.02 vs last reading▲ 0.03 vs a year ago

Past 12 months · as of Sep 1, 2026

The national average for a 1-year certificate of deposit. Top online banks pay well above it.

Compare CD earnings →

10-year Treasury yield

5.31%

▲ 0.03 vs last reading▲ 1.13 vs a year ago

Past 12 months · as of Oct 5, 2026

The bond market's big dial. Mortgage rates tend to move with it.

Run rent vs. buy →

Average credit card APR

22.15%

▲ 0.63 vs last reading▼ 0.15 vs a year ago

Past 12 months · as of May 1, 2026

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.

See what this costs you →

New car loan (48-month)

7.47%

▲ 0.10 vs last reading▼ 0.15 vs a year ago

Past 12 months · as of May 1, 2026

The average bank rate on a new-car loan. Used cars and dealer financing usually run higher, so treat this as the floor.

Price a car payment →

Personal loan (24-month)

11.86%

▲ 0.50 vs last reading▲ 0.23 vs a year ago

Past 12 months · as of May 1, 2026

The average bank rate on an unsecured personal loan. Often far below a credit card, which is why consolidating can pay.

Compare to your card →

How to actually use these

If you have savings: compare the “average savings account” number to what your bank pays you. If your rate looks like the average, a high-yield account is likely paying several times more for zero extra risk. The compound interest calculator shows what the difference is worth over time.

If you have a mortgage: when the 30-year rate drops well below what you're paying, run the refinance calculator to see if the switch pays for itself. Bookmark this page and glance at it when the Fed is in the news.

If you carry card debt: card APRs ride on top of the Fed rate, so they stay painful even when it falls. The payoff calculator shows how much faster a bigger payment gets you out, at any rate.

If you are reading these from software rather than from a page, all 9 are also JSON at /api/v1/rates — every reading with its own asOf date, the body that published it rather than the aggregator it came through, and the change since the previous print. No key, no signup, CORS open. The nine do not move together, which is why each row dates itself: the mortgage averages print weekly, the Fed funds target and the 10-year daily, and the three consumer-credit averages four times a year.

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Rates shown are national averages from FRED (Federal Reserve Economic Data): weekly Freddie Mac mortgage survey rates, FDIC national deposit rates, daily market yields, and the Federal Reserve's quarterly G.19 consumer credit rates for cards, car loans and personal loans. Each card shows the date of its own latest reading. Averages lag the very latest quotes and your offered rate will differ. Educational info, not financial advice.

Today’s rates · Far Better Off

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