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 14, 2026
What today's numbers mean
Mortgage rates ticked up to 6.76% this week from 6.71%. On a $400,000 loan, that 0.05% increase means roughly $20 more per month—or $240 per year in additional payments. For homebuyers already stretching their budgets, small rate moves compound into real cost.
Inflation is running at 3.35% year-over-year, which means your savings account is quietly losing purchasing power unless it earns interest above that rate. Most savings accounts fall short. The brighter development: the 10-year Treasury yield has risen to 4.95% from 4.83%, offering savers with longer time horizons a more meaningful return through bonds.
The job market remains steady with unemployment at 4.1%, and gas prices hold near $4.16 a gallon. These economic signals point to a gradual slowdown rather than sharp contraction.
🏠 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.
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
7,656.98
▲ 65.28
Sep 11, 2026
A year ago: 6,587.47
Nasdaq Composite
26,333.04
▲ 251.32
Sep 11, 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
$76,831
24-hour price
Ethereum
$2,476.95
24-hour price
💱 US Dollar Exchange Rates
European Central Bank reference rates for Sep 11, 2026.
| Currency | 1 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.
- 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 2026-09-14T07:00:02 US Eastern. Browse past days →