Rates
Current Interest Rates Today
Current interest rates today, pulled from Freddie Mac, the Federal Reserve and the US Treasury rather than from lender advertising. Every rate below carries the source that published it and the date it was observed, most recently September 15, 2026.
30-year mortgage rates
6.76%
September 10, 2026
15-year mortgage rates
6.09%
September 10, 2026
refinance rates
6.76%
September 10, 2026
HELOC rates
6.75%
September 15, 2026
CD rates
4.39%
September 15, 2026
high-yield savings rates
4.11%
September 15, 2026
auto loan rates
7.47%
May 1, 2026
personal loan rates
11.86%
May 1, 2026
| Series | Now | Observed | 1 month ago | 1 year ago | 12-month change | 12-month range |
|---|---|---|---|---|---|---|
| 30-year fixed | 6.76% | 6.67% | 6.35% | +0.41 pts | 5.98% – 6.76% | |
| 15-year fixed | 6.09% | 5.96% | 5.50% | +0.59 pts | 5.35% – 6.09% | |
| 30-year fixed | 6.76% | 6.67% | 6.35% | +0.41 pts | 5.98% – 6.76% | |
| Bank prime loan rate | 6.75% | 6.75% | 7.50% | -0.75 pts | 6.75% – 7.50% | |
| 1-year Treasury (CD 1-year proxy) | 4.39% | 3.98% | 3.64% | +0.75 pts | 3.40% – 4.39% | |
| 3-month Treasury (CD 3-month proxy) | 4.11% | 3.86% | 4.06% | +0.05 pts | 3.62% – 4.11% | |
| New car loan, 60-month bank rate | 7.47% | 7.47% | 7.63% | -0.16 pts | 7.37% – 7.63% | |
| Personal loan, 24-month bank rate | 11.86% | 11.86% | 11.57% | +0.29 pts | 11.14% – 11.86% |
Sources: Freddie Mac Primary Mortgage Market Survey via FRED; Freddie Mac Primary Mortgage Market Survey via FRED; Federal Reserve Board (H.15), via FRED; U.S. Treasury via FRED; U.S. Treasury via FRED; Federal Reserve Board (G.19), via FRED; Federal Reserve Board (G.19), via FRED.
How to read a published average
A survey average describes what borrowers with strong files were quoted, at a point in time, on a standard product. It is a benchmark for judging an offer, not a quote you can claim. Anything priced far above the benchmark deserves a question; anything far below usually has points, fees or conditions attached.
We never publish a forecast of where a rate is going. Nobody can know, and the pages that pretend otherwise are selling something.