Is today actually a good rate?

A rate only means something next to its own history. Here is the last decade of the benchmarks that drive what banks pay you and what lenders charge you.

Curve watch

Treasury data as of Sep 22, 2026

+0.25%

10-year minus 2-year (4.96% vs 4.76%)

Normal curve

Long-term yields sit above short-term ones, the normal shape. You're being paid something extra to commit money for longer.

Fed Funds Rate

The rate banks charge each other overnight. It sets the floor for what your savings account can pay.

3.69%

▲ 3.61 pts over 5Y

Monthly averages · Source: Federal Reserve Bank of St. Louis (FRED) · latest 2026-09-01

2-Year Treasury

What the U.S. government pays to borrow for two years — the yardstick for CDs.

4.22%

▲ 3.83 pts over 5Y

Monthly averages · Source: Federal Reserve Bank of St. Louis (FRED) · latest 2026-08-01

10-Year Treasury

The long-term benchmark behind mortgage pricing and longer CDs.

4.68%

▲ 3.10 pts over 5Y

Monthly averages · Source: Federal Reserve Bank of St. Louis (FRED) · latest 2026-08-01

30-Year Mortgage

Freddie Mac's weekly average rate on a 30-year fixed home loan.

6.81%

▲ 3.74 pts over 5Y

Monthly averages · Source: Federal Reserve Bank of St. Louis (FRED) · latest 2026-09-01