Today's Financial Rates

Every rate that touches an American household — mortgages, savings, Treasuries, inflation and fuel — pulled straight from government and Federal Reserve data, updated each morning.

📅 Updated September 3, 2026
📌 This is an archived snapshot from September 3, 2026. See today's current rates →

What today's numbers mean

Thirty-year mortgage rates ticked up to 6.66% this week from 6.65%, adding roughly $2 per month to payments on a $400,000 home loan. Over 30 years, that extra $2 a month adds up. For renters or future buyers, these numbers matter; for existing homeowners with fixed mortgages, it's just the backdrop.

The larger concern for your wallet is inflation running at 3.3% year-over-year. Most savings accounts offer rates far below that, which means your cash savings are quietly losing purchasing power. It's a real cost, even if it doesn't appear on a bank statement.

The job market remains steady at 4.1% unemployment, with gas prices holding near $4.07 per gallon. The Fed's benchmark rate sits at 3.63%, and the 10-year Treasury yield stands at 4.79%. These rates ripple through the economy, affecting everything from credit card costs to what banks offer on savings.

🏠 Mortgage & Home Loans

National averages from the Freddie Mac Primary Mortgage Market Survey, published weekly on Thursday.

30-Year Fixed
6.66%
▲ 0.01 pt
Week of Aug 27, 2026
A year ago: 6.56%
15-Year Fixed
5.98%
▲ 0.03 pt
Week of Aug 27, 2026
A year ago: 5.69%
Bank Prime Rate
6.75%
unchanged
As of Sep 1, 2026
Most HELOCs and credit cards are priced off this rate.
Median Home Price
$410,700
Quarter ending Apr 1, 2026
A year ago: $416,100

🏦 The Fed, Savings & Borrowing

The short-term rates that set what your savings account pays and what your debt costs.

Fed Funds Effective
3.63%
unchanged
Sep 1, 2026
A year ago: 4.33%
SOFR
3.66%
▼ 0.02 pt
Sep 1, 2026
The benchmark that replaced LIBOR on floating-rate loans.
3-Month Treasury
3.92%
Sep 2, 2026
A rough ceiling on what money-market funds can pay.
2-Year Treasury
4.39%
▲ 0.05 pt
Sep 1, 2026
Tracks where markets think short rates are heading.

📈 Treasury Yield Curve

What the US government pays to borrow across every maturity. Mortgage rates track the 10-year closely.

3.83
1 Mo
3.92
3 Mo
4.00
6 Mo
4.16
1 Yr
4.39
2 Yr
4.45
3 Yr
4.54
5 Yr
4.66
7 Yr
4.79
10 Yr
5.27
20 Yr
5.27
30 Yr

US Treasury constant-maturity yields, Sep 2, 2026. Source: U.S. Department of the Treasury.

10-Year Treasury
4.79%
▲ 0.04 pt
Sep 1, 2026
A year ago: 4.28%
30-Year Treasury
5.27%
▲ 0.02 pt
Sep 1, 2026
10Y − 2Y Spread
0.40 pt
unchanged
Sep 2, 2026
Below zero is an inverted curve — historically a recession warning.

🛒 Cost of Living

Inflation from the Bureau of Labor Statistics and pump prices from the Energy Information Administration.

CPI Inflation (YoY)
3.3%
Data through Jul 1, 2026
How much more the same basket of goods costs than a year ago.
Core CPI (YoY)
2.5%
Data through Jul 1, 2026
Strips out food and energy — the number the Fed watches.
Regular Gasoline
$4.071
▼ 0.014
Week of Aug 31, 2026
A year ago: $3.177
Unemployment Rate
4.1%
▼ 0.1 pt
Jul 1, 2026
A year ago: 4.3%

📊 Markets & Commodities

Where retirement accounts and fuel budgets get moved around.

S&P 500
7,631.47
▼ 54.67
Sep 1, 2026
A year ago: 6,415.54
Nasdaq Composite
26,099.77
▼ 271.12
Sep 1, 2026
VIX Volatility
16.34
▲ 1.42
Sep 1, 2026
Under 20 is calm; over 30 signals market stress.
WTI Crude Oil
$91.48
▲ 4.45
Sep 1, 2026
Feeds into gas prices with a two-to-three week lag.
Bitcoin
$77,297
24-hour price
Ethereum
$2,391.78
24-hour price

💱 US Dollar Exchange Rates

European Central Bank reference rates for Sep 2, 2026.

Currency1 USD buys
Canadian Dollar (CAD)1.3925
Euro (EUR)0.8637
British Pound (GBP)0.7417
Japanese Yen (JPY)159.6000
Mexican Peso (MXN)17.0008

Where these numbers come from

Every figure on this page is pulled automatically from a primary public source. Nothing is estimated or modeled by us.

Page generated 2026-09-03T07:00:02 US Eastern. Browse past days →