Methodology
Where the data comes from
Every number on this site is sourced from a U.S. government data feed. We do not scrape bank websites and we do not partner with lenders.
- Mortgages (30-year and 15-year fixed): Freddie Mac PMMS via FRED. Weekly, released Thursdays at 12:00 PM ET.
- Treasury yields (1mo through 30yr): U.S. Treasury Fiscal Data daily yield curve. Daily, released around 3:30 PM ET.
- SOFR (overnight and 30-day average): New York Fed via FRED. Daily, released 8:00 AM ET.
- Federal Funds (target range and effective): FRED series DFEDTARU, DFEDTARL, FEDFUNDS. Updates on FOMC decisions and monthly.
- Savings and CDs: FDIC National Rates and Rate Caps, mirrored to FRED. Updated monthly on the 3rd Monday.
- Credit cards, auto loans, personal loans: Federal Reserve G.19 Consumer Credit release, mirrored to FRED. Updated quarterly.
Why national averages, not bank-by-bank rankings
The U.S. government does not publish bank-by-bank deposit rates. The FDIC publishes a weighted national average and rate caps, but not the rate any single bank is offering on any given day. To respect our “government-sourced only” rule, we show national averages and let you compare what you see locally against the benchmark.
If a bank offers you a savings rate 2 percentage points above the national average, that is a real outlier worth verifying. If it is 0.05 points off, it is essentially the market.
Refresh schedule
An automated fetcher runs every day at 9:00 AM ET and pulls anything new from FRED and the Treasury. It runs monthly and quarterly batches too, on the days right after each release. So if FRED has it, this site has it within hours.
What this site is not
This is not advice. The numbers are averages, not quotes. Your actual rate depends on credit score, loan amount, region, and the lender’s own pricing model. Use these numbers to anchor your expectations, then shop with at least three lenders before signing anything.
Source attribution
Data from FRED, the Federal Reserve Bank of St. Louis; the U.S. Department of the Treasury; and the FDIC. We re-publish for educational purposes only and do not warrant accuracy. When in doubt, click through to the source linked on each data row.