30-year fixed mortgage
Average rate on a 30-year fixed-rate home mortgage in the U.S.
As of Jun 11, 2026 · Freddie Mac (PMMS) via FRED
Reference data
Current benchmark interest rates
National average and benchmark interest rates from authoritative public sources, updated automatically. Use them as a realistic reference when you run the calculators — they are averages, not lender quotes.
Latest data point: June 11, 2026
15-year fixed mortgage
Average rate on a 15-year fixed-rate home mortgage in the U.S.
As of Jun 11, 2026 · Freddie Mac (PMMS) via FRED
Bank prime loan rate
The base rate banks use to price many consumer and business loans.
As of May 1, 2026 · Federal Reserve (H.15) via FRED
Federal funds rate
The Federal Reserve's benchmark short-term interest rate.
As of May 1, 2026 · Federal Reserve (H.15) via FRED
48-month new auto loan
Average finance rate on 48-month new-car loans at commercial banks.
As of Feb 1, 2026 · Federal Reserve (G.19) via FRED
Credit card interest rate
Average interest rate on commercial-bank credit card plans (assessed interest).
As of Feb 1, 2026 · Federal Reserve (G.19) via FRED
How to use these rates
These figures are national averages and policy benchmarks, not an offer or a quote. Your actual rate depends on your credit profile, the lender, the loan amount and term, and current market conditions. Use them as a sensible default when comparing scenarios in our calculators, then confirm real numbers with a specific lender.
Mortgage figures are weekly survey averages; the prime and federal funds rates update around Federal Reserve actions; auto and credit card figures are periodic commercial-bank averages, so each card shows its own "as of" date.
Source and updates
Data is retrieved from FRED (Federal Reserve Economic Data, Federal Reserve Bank of St. Louis) and refreshed automatically on a schedule. We publish the underlying benchmark series rather than rates for any specific bank, because per-lender rates are not publicly available in a reliable, comparable form.
Related tools: mortgage, auto loan, business loan, and credit card payoff.