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 September 6, 2026 · source: FRED, Federal Reserve Bank of St. Louis
30-year fixed mortgage
6.71%
Past 12 months · as of Sep 3, 2026
The average rate on America's most common home loan, updated weekly.
See your payment at this rate →15-year fixed mortgage
6.04%
Past 12 months · as of Sep 3, 2026
The shorter, cheaper-rate option. Higher payment, far less total interest.
Check if refinancing wins →Fed funds target rate
3.75%
Past 12 months · as of Sep 6, 2026
The Federal Reserve's benchmark. When it moves, savings and card rates follow.
Plan your card payoff →Average savings account
0.38%
Past 12 months · as of Aug 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
1.71%
Past 12 months · as of Aug 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
4.77%
Past 12 months · as of Sep 3, 2026
The bond market's big dial. Mortgage rates tend to move with it.
Run rent vs. buy →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.
Rates shown are national averages from FRED (Federal Reserve Economic Data): weekly Freddie Mac mortgage survey rates, FDIC national deposit rates, and daily market yields. Averages lag the very latest quotes and your offered rate will differ. Educational info, not financial advice.