Today's Financial Rates

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

πŸ“… Updated September 6, 2026
πŸ“Œ This is an archived snapshot from September 6, 2026. See today's current rates β†’

What today's numbers mean

The 30-year fixed mortgage rate climbed to 6.71% this week, up from 6.66% a week ago. That 0.05% increase means about $20 more per month on a typical $400,000 home loanβ€”roughly $240 extra per year. If you're shopping for a mortgage or considering a refinance, this week's move is the headline you should know.

Inflation remains elevated at 3.3% year-over-year, while core inflation (excluding food and energy) is at 2.47%. This matters directly to your money: if your savings account is earning less than 3.3%, you're losing purchasing power. The prime rate is 6.75%, so shop around before accepting whatever rate your bank offers on savings or CDs. You may find better terms elsewhere.

The employment picture stays solid at 4.1% unemployment. Gas prices are holding around $4.07 per gallon, and bond yields have eased slightly, with the 10-year Treasury at 4.77%. These modest moves suggest the financial markets are taking a cautious stance.

🏠 Mortgage & Home Loans

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

30-Year Fixed
6.71%
β–² 0.05 pt
Week of Sep 3, 2026
A year ago: 6.50%
15-Year Fixed
6.04%
β–² 0.06 pt
Week of Sep 3, 2026
A year ago: 5.60%
Bank Prime Rate
6.75%
unchanged
As of Sep 2, 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 3, 2026
A year ago: 4.33%
SOFR
3.66%
β–² 0.01 pt
Sep 3, 2026
The benchmark that replaced LIBOR on floating-rate loans.
3-Month Treasury
3.91%
Sep 4, 2026
A rough ceiling on what money-market funds can pay.
2-Year Treasury
4.34%
β–Ό 0.05 pt
Sep 3, 2026
Tracks where markets think short rates are heading.

πŸ“ˆ Treasury Yield Curve

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

3.79
1 Mo
3.91
3 Mo
3.98
6 Mo
4.13
1 Yr
4.37
2 Yr
4.45
3 Yr
4.54
5 Yr
4.65
7 Yr
4.78
10 Yr
5.25
20 Yr
5.24
30 Yr

US Treasury constant-maturity yields, Sep 4, 2026. Source: U.S. Department of the Treasury.

10-Year Treasury
4.77%
β–Ό 0.02 pt
Sep 3, 2026
A year ago: 4.22%
30-Year Treasury
5.25%
β–Ό 0.02 pt
Sep 3, 2026
10Y βˆ’ 2Y Spread
0.41 pt
β–Ό 0.02 pt
Sep 4, 2026
Below zero is an inverted curve β€” historically a recession warning.

πŸ›’ 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 β€” the number the Fed watches.
Regular Gasoline
$4.071
β–Ό 0.014
Week of Aug 31, 2026
A year ago: $3.177
Unemployment Rate
4.1%
unchanged
Aug 1, 2026
A year ago: 4.3%

πŸ“Š Markets & Commodities

Where retirement accounts and fuel budgets get moved around.

S&P 500
7,718.60
β–Ό 29.11
Sep 4, 2026
A year ago: 6,502.08
Nasdaq Composite
26,506.99
β–Ό 77.07
Sep 4, 2026
VIX Volatility
14.32
β–Ό 0.88
Sep 3, 2026
Under 20 is calm; over 30 signals market stress.
WTI Crude Oil
$91.48
β–² 4.45
Sep 1, 2026
Feeds into gas prices with a two-to-three week lag.
Bitcoin
$79,824
24-hour price
Ethereum
$2,479.99
24-hour price

πŸ’± US Dollar Exchange Rates

European Central Bank reference rates for Sep 4, 2026.

Currency1 USD buys
Canadian Dollar (CAD)1.3800
Euro (EUR)0.8604
British Pound (GBP)0.7391
Japanese Yen (JPY)156.2500
Mexican Peso (MXN)16.8991

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 2026-09-06T07:00:01 US Eastern. Browse past days β†’