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 7, 2026
πŸ“Œ This is an archived snapshot from September 7, 2026. See today's current rates β†’

What today's numbers mean

The 30-year mortgage rate rose to 6.71%, up from 6.66% the previous week. For a household shopping for a $400,000 home, this bump means roughly $9 extra per monthβ€”about $100 per year in additional costs. If you're thinking about buying or refinancing soon, that increase matters when you're looking at a 30-year commitment and budget constraints.

Inflation remains elevated at 3.3% year-over-year, with core inflation at 2.47%. Here's what this means for savers: a 10-year Treasury yields 4.77%, which does beat inflation, but only by about 1.5 percentage points. Most everyday savings accounts and money market funds offer considerably less, which means your money is gradually losing purchasing power over time. The employment picture stays solid, with unemployment at 4.1%.

The stock market edged upward, with the S&P 500 at 7718.6 and the Nasdaq at 26506.99. Gas prices remain near $4.071 per gallon as well.

🏠 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
$80,329
24-hour price
Ethereum
$2,514.01
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 2026-09-07T07:00:02 US Eastern. Browse past days β†’