Rates & Lending Trackers

Mortgage rates, the Fed funds target, Treasury yields, savings rates, and consumer credit benchmarks — pulled fresh from FRED on the cadence each series publishes.

Interest rates are the price of money — and they touch every financial decision you make, from the monthly payment on a new house to what your savings account quietly earns while you sleep. When the Federal Reserve nudges the federal funds rate, ripples reach mortgages, auto loans, credit cards, business borrowing, and the yield curve all at once.

Our Rates & Lending trackers give you the same numbers banks and analysts watch — the 30-year fixed mortgage rate, the Fed funds target, the 10-year Treasury yield, prime rate, certificate of deposit rates, high-yield savings yields, and consumer credit benchmarks. Each tracker shows the live value, the 1-day and 1-year change, the all-time high and low, and a chart of the full history.

Every number on this page is pulled from a public source — most commonly the St. Louis Federal Reserve's FRED API — and refreshed on its native cadence. Daily for Treasuries, weekly for mortgage rates, after each FOMC meeting for the Fed funds rate. No paywall, no signup, no proprietary index. Just the headline rates, plus links to the calculators that turn them into a monthly payment for your situation.

Honey-Do Tracker — home maintenance for landlords and property managers

Rates & Lending 14

Borrowing and saving benchmarks — mortgages, Treasuries, Fed funds, CDs.

30-Year Fixed Mortgage Rate The U.S. weekly average — Freddie Mac PMMS via FRED. LIVE 6.36% +0.06 15-Year Fixed Mortgage Rate Shorter-term mortgage benchmark — typically 80–100 bps below 30-yr. LIVE 5.71% +0.04 HELOC Rate Home equity line of credit rates — track Prime + a margin. LIVE 8.75% +0.00 Federal Funds Rate The U.S. target rate set by the Federal Open Market Committee. LIVE 3.64% -0.25 10-Year Treasury Yield The benchmark long bond — drives mortgage and corporate rates. LIVE 4.67% -0.04 30-Year Treasury Yield The longest U.S. government bond — the "long long bond." LIVE 5.18% -0.03 2-Year Treasury Yield The short-bond pulse — moves most with Fed expectations. LIVE 4.13% -0.05 3-Month Treasury Bill Rate The ceiling on cash yields — what money market funds chase. LIVE 3.67% -0.02 Yield Curve Spread (10Y – 2Y) The recession indicator — inversions have preceded every U.S. recession since 1955. LIVE 0.53pp +0 Auto Loan Rate 48-month new-car loan rate from commercial banks. LIVE 7.36% Credit Card APR Average Commercial bank interest rate on credit card plans assessed interest. LIVE 21.00% High-Yield Savings Rate National money market & top HYSA average — where parking cash earns interest. LIVE 3.67% -0.04 6-Month CD Rate National average 6-month certificate of deposit yield. LIVE 3.77% -0.02 Federal Student Loan Rate Undergraduate Direct Subsidized rate — reset July 1 each year. LIVE 6.10%

137 Foundry — custom app building studio

Who Watches These Trackers?

Homebuyers & Refinancers

Watch the 30-year and 15-year fixed mortgage rates so you know when to lock — and what a refi actually saves you.

Savers & CD Shoppers

Compare HYSA yields, CD rates, and Treasury bills to find where your idle cash earns the most.

Borrowers & Business Owners

Track Prime, auto loans, and credit card APRs to time financing and refinancing decisions.

Frequently Asked Questions

Each tracker refreshes on its source's native cadence. Treasury yields update daily, mortgage rates update weekly (Thursdays via Freddie Mac's PMMS), and the federal funds rate updates after each FOMC meeting. CD and HYSA rates update weekly. Every page shows the exact last-updated timestamp.

Almost every rate on this page is pulled from FRED (Federal Reserve Economic Data, St. Louis Fed) — the same authoritative source professional analysts use. We never use scraped or estimated numbers. The source and FRED series ID are listed on every individual tracker page.

The number we show is the national weekly average from Freddie Mac's Primary Mortgage Market Survey — what borrowers with strong credit are typically being offered. Your personal rate depends on credit score, down payment, loan-to-value ratio, and the specific lender. Use the tracker as a benchmark, then shop lenders for your actual quote.

The federal funds rate is what banks charge each other for overnight loans — set by the Fed. The Prime rate is what banks charge their best business customers — typically the federal funds rate plus 3 percentage points. Most consumer credit (credit cards, HELOCs, some personal loans) is priced as "Prime + X," so when the Fed moves, your variable rates move shortly after.

Mortgage rates loosely track the 10-year Treasury yield — typically 1.5 to 2 percentage points above it. The 10-year is the most important benchmark in the U.S. economy and reflects what investors think long-term inflation and growth will look like. When the 10-year falls, mortgage rates usually fall with a short lag.

Sites like Bankrate display advertiser-paid rate quotes. Our trackers show official government benchmark series — the numbers that ratemakers and economists actually use. We don't take referral fees. Pair the benchmark with a Bankrate or NerdWallet shop to get a sense of the spread above the benchmark you should expect.