Investing & retirement data
U.S. market snapshot
The federal funds rate stands at 3.63% as of 2026-07-01, 0.70 points lower than a year earlier.
Four numbers explain most of what markets are reacting to: the index, the long yield, the policy rate and inflation.
| Series | Latest | Prior | Year over year | As of |
|---|---|---|---|---|
| Federal funds rate | 3.63% | 3.63% | -0.70 pts | 2026-07-01 |
| 10-year Treasury yield | 4.72% | 4.68% | +0.38 pts | 2026-08-17 |
Source: Federal Reserve via FRED; U.S. Treasury via FRED.
How this has moved
Source: Federal Reserve via FRED; U.S. Treasury via FRED; S&P Dow Jones Indices via FRED; U.S. Bureau of Labor Statistics via FRED. Latest observation 2026-07-01.
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Methodology
Market and policy-rate series are published daily and monthly via FRED. We read the series from FRED (Federal Reserve Bank of St. Louis), store every observation in our own database and refresh it on a schedule, so the page always renders the latest published value with the date it was published.
Year-over-year figures compare the latest observation with the observation closest to the same date one year earlier. Percentage-point changes are used for rates, percentage changes for levels.
Published data is revised by its source agencies. Figures here reflect the most recent release we have ingested and are for information only, not personalised advice.
Sources: Federal Reserve, U.S. Treasury and S&P Dow Jones Indices via FRED. American Community Survey 5-year estimates, 2022.
Source: Federal Reserve, U.S. Treasury and S&P Dow Jones Indices via FRED. Latest observation 2026-07-01.