R
Rates
United States
DonateSubscribe

The fair
rate, no
middlemen.

We publish the weekly national average for US interest rates — mortgages, savings, CDs, Treasuries, and benchmarks — sourced exclusively from FRED, U.S. Treasury Fiscal Data, and FDIC-published series. No private surveys, no lender deals.

See today's rates Get Monday digest
Rate products tracked
0
Gov sources
3
Cost to you
zero.
Independent project. No commissions, no referral fees, no commercial agreements with any lender or financial institution.
Fed / BLS
CPI YoY4.17 %
Fed Funds3.50–3.75 %
10Y Treasury4.48 %
SOFR3.530 %
Product
Loan amount$400,000
$
Term360 mo
Sort
National average

30-year fixed mortgage.

APR = Annual Percentage Rate. Total cost of borrowing expressed as a yearly rate. Lower is better.

* Monthly payment calculated on $400,000 at 360 months using the reported APR. Rates sourced from FRED (Federal Reserve Bank of St. Louis), U.S. Treasury Fiscal Data, and FDIC-published series. National averages — not a quote from a specific lender. How we calculate.

Manifesto

Nobody
pays
us.

01
Three sources. All official.

We consolidate the national averages published by FRED (Federal Reserve Bank of St. Louis), U.S. Treasury Fiscal Data, and FDIC-published series mirrored via FRED. No private surveys, no lender press releases — only federal government data.

02
A national average, not your quote.

The number you see is the published national average for that product type. Your actual rate depends on your credit score, down payment, loan amount, and the specific lender. Always get at least three quotes before you apply.

03
No commissions. No referrals.

We have no commercial agreements with lenders. We are not paid per click, per application, or per referral. The ranking is determined exclusively by the rate published to the federal source.

04
Your email is deleted when you unsubscribe.

We never sell or share your address. Cancel with one click — no exit surveys, no re-confirmation hoops. We operate under U.S. CAN-SPAM and GDPR where applicable.

05
The math is open.

The formula that converts APR to monthly payment is standard and publicly documented. If you find a calculation error, we want to know — email us and we will fix it immediately.

Frequently asked questions

Honest
answers.

The questions we get most often. If yours is missing, write us.

Where does the data come from?
Every number on this site is a national average published by a US federal source: FRED (Federal Reserve Bank of St. Louis), the U.S. Treasury's daily yield curve, and FDIC national deposit rates mirrored through FRED. We never survey lenders, scrape bank websites, or accept submitted rates.
Is this the rate I will actually get?
No. These are national averages, not quotes. Your rate depends on your credit score, down payment or deposit size, loan amount, and the specific institution. Use the average as a fairness benchmark — if a lender quotes you far above it, ask why — and always compare at least three offers.
Why don't you rank individual banks?
Because the government doesn't publish bank-by-bank pricing, and every private source that does is funded by the banks being ranked. Rather than take affiliate feeds and pretend they're neutral, we only show the official averages. The trade-off is fewer numbers — but every one of them is verifiable at the source.
How often does the data update?
We pull from FRED and the Treasury every morning at 9:00 AM ET. Underneath, each series follows its publisher's cadence: mortgage averages weekly, Treasury yields and SOFR daily, FDIC deposit averages monthly, and consumer credit (credit cards, auto, personal) quarterly from the Fed's G.19 release. The email digest summarizes it every Monday at 7:30 AM ET.
How do you make money?
We don't. No ads, no affiliate links, no lead generation, and your email is never sold or shared. Optional donations cover the hosting and API bills.
What happens to my email address?
It is used for exactly one thing: the Monday digest. Unsubscribing takes one click and deletes your address and preferences from our database entirely — no archive, no re-marketing list.
Edition #010 · Next Monday

Monday,
in your inbox.

One email per week. The best rates, what moved up, what fell, and a short comment if something big happened in the market.

I care about

We only use your email for the weekly digest. Unsubscribe with one click. Your email is deleted when you unsubscribe.

Independent project — no sponsors, no ads, no affiliate links. One email on Mondays; nothing else, ever.