Every rate that touches an American household — mortgages, savings, Treasuries, inflation and fuel — pulled straight from government and Federal Reserve data, updated each morning.
Mortgage rates climbed to 6.95% this week, up from 6.76%, affecting anyone buying or refinancing a home. On a typical $400,000 loan, that 0.19% increase costs roughly $55 more per month—an extra $660 a year in payments.
The Federal Reserve's effective rate sits at 3.88%, supporting current borrowing costs. Meanwhile, year-over-year inflation stands at 3.35%, with core inflation at 2.45%. This matters for your savings: money in a savings account earning less than 3.35% is actually losing purchasing power. The 10-year Treasury is at 4.96%, while the 2-year sits at 4.71%.
Unemployment remains stable at 4.1%. Gas prices hold near $4.48 per gallon. The stock market closed with the S&P 500 at 7764.64 and the Nasdaq at 27244.28, while the VIX volatility index stands at 14.21.
National averages from the Freddie Mac Primary Mortgage Market Survey, published weekly on Thursday.
The short-term rates that set what your savings account pays and what your debt costs.
What the US government pays to borrow across every maturity. Mortgage rates track the 10-year closely.
US Treasury constant-maturity yields, Sep 23, 2026. Source: U.S. Department of the Treasury.
Inflation from the Bureau of Labor Statistics and pump prices from the Energy Information Administration.
Where retirement accounts and fuel budgets get moved around.
European Central Bank reference rates for Sep 23, 2026.
| Currency | 1 USD buys |
|---|---|
| Canadian Dollar (CAD) | 1.4089 |
| Euro (EUR) | 0.8763 |
| British Pound (GBP) | 0.7532 |
| Japanese Yen (JPY) | 157.9200 |
| Mexican Peso (MXN) | 17.4392 |
Every figure on this page is pulled automatically from a primary public source. Nothing is estimated or modeled by us.
Page generated 2026-09-24T07:00:02 US Eastern. Browse past days →