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 8, 2026
What today's numbers mean
Mortgage rates climbed to 6.71% this week, up from 6.66%. That increase means roughly $10-12 more per month on a $400,000 loan. For home shoppers, these small moves add up over 30 years.
Inflation remains the bigger story for most households. At 3.3% year-over-year, your savings lose value unless they're earning that rate or better. The good news: many banks now offer savings accounts earning 3.6% or more, which means your money is keeping pace with inflation. Check what your bank is offering—rates vary widely, and switching accounts takes minutes if you find a better rate.
Stock markets remain calm, with the S&P 500 at 7718.6. Gas prices held near $4.07 a gallon. Unemployment is at 4.1%, suggesting steady hiring.
🏠 Mortgage & Home Loans
National averages from the Freddie Mac Primary Mortgage Market Survey, published weekly on Thursday.
30-Year Fixed
6.71%
▲ 0.05 pt
Week of Sep 3, 2026
A year ago: 6.50%
15-Year Fixed
6.04%
▲ 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%
▲ 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%
▼ 0.05 pt
Sep 3, 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.
US Treasury constant-maturity yields, Sep 4, 2026. Source: U.S. Department of the Treasury.
10-Year Treasury
4.77%
▼ 0.02 pt
Sep 3, 2026
A year ago: 4.22%
30-Year Treasury
5.25%
▼ 0.02 pt
Sep 3, 2026
10Y − 2Y Spread
0.41 pt
▼ 0.02 pt
Sep 4, 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%
unchanged
Aug 1, 2026
A year ago: 4.3%
📊 Markets & Commodities
Where retirement accounts and fuel budgets get moved around.
S&P 500
7,718.60
▼ 29.11
Sep 4, 2026
A year ago: 6,502.08
Nasdaq Composite
26,506.99
▼ 77.07
Sep 4, 2026
VIX Volatility
14.32
▼ 0.88
Sep 3, 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
$79,120
24-hour price
Ethereum
$2,489.89
24-hour price
💱 US Dollar Exchange Rates
European Central Bank reference rates for Sep 7, 2026.
| Currency | 1 USD buys |
|---|
| Canadian Dollar (CAD) | 1.3820 |
| Euro (EUR) | 0.8604 |
| British Pound (GBP) | 0.7391 |
| Japanese Yen (JPY) | 154.7500 |
| Mexican Peso (MXN) | 16.9121 |
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.
- Mortgage rates — Freddie Mac Primary Mortgage Market Survey, via the Federal Reserve Bank of St. Louis (FRED)
- Fed funds, prime, SOFR, CPI, unemployment, oil, stock indexes — Federal Reserve Bank of St. Louis (FRED)
- Treasury yield curve — U.S. Department of the Treasury daily par yield curve
- Gasoline prices — U.S. Energy Information Administration weekly retail survey, via FRED
- Exchange rates — European Central Bank reference rates
- Cryptocurrency — CoinGecko
Page generated 2026-09-08T07:00:02 US Eastern. Browse past days →