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 12, 2026
📌 This is an archived snapshot from September 12, 2026. See today's current rates →

What today's numbers mean

Inflation remains the biggest story for your wallet. Prices are rising at 3.35% per year, and that pace erodes savings. Your bank's savings account probably earns 3–4% interest; after inflation, you're barely keeping pace. This matters more than any single rate announcement because it affects your everyday purchasing power.

For those borrowing, mortgage rates climbed to 6.76% this week, up from 6.71%. On a $400,000 loan, this 0.05% increase costs about $20 more per month, or $240 per year. The 30-year fixed rate is high, and car loans and credit cards follow the same trend upward.

The good news: unemployment is steady at 4.1%, and job growth remains solid. The Fed's benchmark rate is 3.63%, and the 10-year Treasury yield is at 4.95%. These levels keep borrowing costs elevated but reflect current economic conditions.

🏠 Mortgage & Home Loans

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

30-Year Fixed
6.76%
▲ 0.05 pt
Week of Sep 10, 2026
A year ago: 6.35%
15-Year Fixed
6.09%
▲ 0.05 pt
Week of Sep 10, 2026
A year ago: 5.50%
Bank Prime Rate
6.75%
unchanged
As of Sep 9, 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 10, 2026
A year ago: 4.33%
SOFR
3.62%
▼ 0.02 pt
Sep 10, 2026
The benchmark that replaced LIBOR on floating-rate loans.
3-Month Treasury
4.07%
Sep 11, 2026
A rough ceiling on what money-market funds can pay.
2-Year Treasury
4.56%
▲ 0.13 pt
Sep 10, 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.

3.93
1 Mo
4.07
3 Mo
4.12
6 Mo
4.35
1 Yr
4.63
2 Yr
4.69
3 Yr
4.78
5 Yr
4.87
7 Yr
4.96
10 Yr
5.38
20 Yr
5.35
30 Yr

US Treasury constant-maturity yields, Sep 11, 2026. Source: U.S. Department of the Treasury.

10-Year Treasury
4.95%
▲ 0.12 pt
Sep 10, 2026
A year ago: 4.04%
30-Year Treasury
5.37%
▲ 0.09 pt
Sep 10, 2026
10Y − 2Y Spread
0.33 pt
▼ 0.06 pt
Sep 11, 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)
3.4%
Data through Aug 1, 2026
How much more the same basket of goods costs than a year ago.
Core CPI (YoY)
2.5%
Data through Aug 1, 2026
Strips out food and energy — the number the Fed watches.
Regular Gasoline
$4.157
▲ 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%

📊 Markets & Commodities

Where retirement accounts and fuel budgets get moved around.

S&P 500
7,591.70
▼ 44.66
Sep 10, 2026
A year ago: 6,532.04
Nasdaq Composite
26,081.72
▼ 171.62
Sep 10, 2026
VIX Volatility
17.84
▲ 1.38
Sep 10, 2026
Under 20 is calm; over 30 signals market stress.
WTI Crude Oil
$97.26
▲ 3.05
Sep 9, 2026
Feeds into gas prices with a two-to-three week lag.
Bitcoin
$77,184
24-hour price
Ethereum
$2,514.68
24-hour price

💱 US Dollar Exchange Rates

European Central Bank reference rates for Sep 11, 2026.

Currency1 USD buys
Canadian Dollar (CAD)1.3858
Euro (EUR)0.8627
British Pound (GBP)0.7403
Japanese Yen (JPY)154.0400
Mexican Peso (MXN)16.9771

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 2026-09-12T07:00:01 US Eastern. Browse past days →