Rates & the Fed
Today's interest rates
Official data from the Federal Reserve Bank of St. Louis (FRED), refreshed twice a day. Every rate keeps its full history. Click a rate to chart it back decades or download the data.
Federal Reserve policy rate
3.75% – 4.00%
Federal funds target range
▲ Hike 25 bps last change on September 17, 2026
Inflation
3.4%
CPI, year over year · August 2026
A year earlier: 2.9% · The Fed's target is 2%.
Inflation calculator →Federal Reserve
| Rate | Latest | Previous | 1 year ago | 5-yr range | As of | |
|---|---|---|---|---|---|---|
| Fed funds target (upper)daily | 4.00% | 3.75% | 4.25% | 0.25 – 5.50% | Oct 1, y | |
| Effective federal funds ratedaily | 3.88% | 3.63% | 4.10% | 0.07 – 5.33% | Oct 4, y | |
| Bank prime loan ratedaily | 7.00% | 6.75% | 7.25% | 3.25 – 8.50% | Oct 5, y |
What borrowers pay
| Rate | Latest | Previous | 1 year ago | 5-yr range | As of | |
|---|---|---|---|---|---|---|
| 30-year fixed mortgage (avg)weekly | 7.40% | 7.28% | 6.34% | 2.98 – 7.79% | Oct 4, y | |
| 15-year fixed mortgage (avg)weekly | 6.73% | 6.60% | 5.55% | 2.23 – 7.03% | Oct 4, y | |
| New car loan, 48 months (avg APR)monthly | 7.47% | 7.37% | 7.51% | 4.58 – 8.65% | Aug 6, y | |
| Credit card APR, all accounts (avg)quarterly | 21.19% | 20.94% | 21.39% | 14.51 – 21.76% | Aug 6, y |
US Treasury yields
| Rate | Latest | Previous | 1 year ago | 5-yr range | As of | |
|---|---|---|---|---|---|---|
| 3-month Treasury billdaily | 4.23% | 4.22% | 4.01% | 0.04 – 5.63% | Oct 4, y | |
| 2-year Treasury notedaily | 4.75% | 4.77% | 3.58% | 0.32 – 5.19% | Oct 4, y | |
| 10-year Treasury notedaily | 5.22% | 5.28% | 4.13% | 1.35 – 5.31% | Oct 4, y | |
| 30-year Treasury bonddaily | 5.60% | 5.67% | 4.72% | 1.69 – 5.67% | Oct 4, y |
Economy
| Rate | Latest | Previous | 1 year ago | 5-yr range | As of | |
|---|---|---|---|---|---|---|
| Unemployment ratemonthly | 4.20% | 4.10% | 4.40% | 3.40 – 4.70% | Sep 2, y |
30-year mortgage rate
Treasury yield curve
Today vs a year ago
Source: Federal Reserve Bank of St. Louis, FRED. Mortgage rates are Freddie Mac weekly averages, and loan and card APRs are Federal Reserve averages. The rate you are offered depends on your credit and lender.