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 10, 2026
πŸ“Œ This is an archived snapshot from September 10, 2026. See today's current rates β†’

What today's numbers mean

Mortgage rates climbed to 6.71% this week, up from 6.66% last weekβ€”a small move with real costs. On a typical $400,000 home loan, this quarter-point increase means roughly $15-20 more in monthly payments, costing an extra $5,000-6,000 over the life of the loan. If you're shopping for a home, higher rates directly affect what you can afford.

Inflation is running at 3.3% year-over-year, with core inflation at 2.47%. Here's what this means for savers: if your savings account earns less than 3.3% annually, your purchasing power steadily shrinks with each passing month. Unemployment sits at 4.1%, indicating the job market remains reasonably steady even as borrowing costs stay elevated.

Gas prices average $4.16 per gallon. This combination of higher mortgage rates and persistent inflation means it's worth reviewing your household budgetβ€”particularly if you're planning a home purchase or refinance. Small percentage-point increases in rates compound into costs that reshape your household finances for years to come.

🏠 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 8, 2026
A year ago: 4.33%
SOFR
3.64%
β–Ό 0.01 pt
Sep 8, 2026
The benchmark that replaced LIBOR on floating-rate loans.
3-Month Treasury
3.95%
Sep 9, 2026
A rough ceiling on what money-market funds can pay.
2-Year Treasury
4.39%
β–² 0.02 pt
Sep 8, 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.

3.81
1 Mo
3.95
3 Mo
4.01
6 Mo
4.17
1 Yr
4.43
2 Yr
4.49
3 Yr
4.61
5 Yr
4.71
7 Yr
4.83
10 Yr
5.28
20 Yr
5.28
30 Yr

US Treasury constant-maturity yields, Sep 9, 2026. Source: U.S. Department of the Treasury.

10-Year Treasury
4.80%
β–² 0.02 pt
Sep 8, 2026
A year ago: 4.05%
30-Year Treasury
5.25%
β–² 0.01 pt
Sep 8, 2026
10Y βˆ’ 2Y Spread
0.40 pt
β–Ό 0.01 pt
Sep 9, 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
$4.157
β–² 0.086
Week of Sep 7, 2026
A year ago: $3.192
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
7,673.52
β–Ό 45.08
Sep 8, 2026
A year ago: 6,495.15
Nasdaq Composite
26,421.41
β–Ό 85.58
Sep 8, 2026
VIX Volatility
15.72
β–² 0.42
Sep 8, 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
$78,281
24-hour price
Ethereum
$2,467.47
24-hour price

πŸ’± US Dollar Exchange Rates

European Central Bank reference rates for Sep 9, 2026.

Currency1 USD buys
Canadian Dollar (CAD)1.3768
Euro (EUR)0.8582
British Pound (GBP)0.7372
Japanese Yen (JPY)153.2700
Mexican Peso (MXN)16.9025

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 2026-09-10T07:00:01 US Eastern. Browse past days β†’