Live data
Today's interest rates and inflation
The benchmark rates that drive what banks pay on savings and charge on loans, refreshed automatically every day.
| Measure | Latest | As of | Updates |
|---|---|---|---|
| 3-Month Treasury Bill (discount basis) | 4.09% | October 13, 2026 | daily |
| Effective Federal Funds Rate | 3.88% | October 13, 2026 | daily |
| 10-Year Treasury Yield | 5.21% | October 13, 2026 | daily |
| 30-Year Fixed Mortgage Average (Freddie Mac) | 7.40% | October 8, 2026 | weekly |
| Inflation, CPI-U year over year | 3.7% | September 2026 | monthly |
Source: FRED®, Federal Reserve Bank of St. Louis (data originally from the Board of Governors of the Federal Reserve System, Freddie Mac and the U.S. Bureau of Labor Statistics). Page last refreshed October 15, 2026.
What these numbers mean for you
- 3-month T-Bill: a good benchmark for what safe, short-term cash can earn. See What are Treasury bills?
- Federal funds rate: the Fed's main policy rate. Savings APYs and credit card rates tend to follow it. See How the Fed rate affects your money.
- 10-year Treasury and 30-year mortgage: mortgage rates tend to move with long-term Treasury yields more than with the Fed's rate.
- CPI inflation: if your savings earn less than inflation, your buying power shrinks. Try the inflation calculator.
This content is for educational purposes only and isn't financial, tax or investment advice. Rates change daily; confirm current terms with your bank, broker or TreasuryDirect before making decisions. See our full disclaimer.