Rate data from the Federal Reserve, Freddie Mac, Optimal Blue and the U.S. Treasury Data compiled Nov 06, 2026 02:50 UTC

Independent lending-rate reference. Mortgage, auto, personal and card rates from primary federal sources.

30-yr fixed
7.12%▼ -6 bps
15-yr fixed
6.57%▲ +8 bps
Prime
7.00%unch.
10-yr UST
4.90%▼ -5 bps
48-mo new car
7.47%unch.
Cards (revolving)
22.36%▲ +21 bps

U.S. Treasury yields

Daily par yield curve rates, and the 10-year yield that long-term lending is priced against.

4 series on this page · updated each business day · most recent observation November 4, 2026

10-Year Treasury
4.90%
▼ -5 bps prior · ▲ +80 bps year over year
U.S. Treasury, as of November 4, 2026. 52-week range 3.97%–5.31%.

Rate table

Changes shown in basis points; one basis point is one hundredth of a percentage point.

Loan programRatePrior1 month1 year52-week rangeAs ofSource
2-Year TreasuryPar yield on the 2-year note.4.58%▼ -3 bps▼ -26 bps▲ +100 bps
3.384.92
Nov 4, 2026U.S. Treasury
DGS2
5-Year TreasuryPar yield on the 5-year note.4.69%▼ -5 bps▼ -37 bps▲ +100 bps
3.515.09
Nov 4, 2026U.S. Treasury
DGS5
10-Year TreasuryThe benchmark mortgage rates are priced against.4.90%▼ -5 bps▼ -41 bps▲ +80 bps
3.975.31
Nov 4, 2026U.S. Treasury
DGS10
30-Year TreasuryPar yield on the 30-year bond.5.28%▼ -4 bps▼ -38 bps▲ +61 bps
4.645.67
Nov 4, 2026U.S. Treasury
DGS30

Series detail

Two years of history for each series on this page.

2-Year Treasury

4.58%  ▼ -3 bps
3.24%3.61%3.97%4.33%4.69%5.06%20252026

Updated each business day. Par yield on the 2-year note. History available from June 1976 (12,604 observations). 52-week range 3.38%–4.92%, set Feb 27, 2026 and Sep 28, 2026. Source: U.S. Treasury via FRED series DGS2.

5-Year Treasury

4.69%  ▼ -5 bps
3.38%3.76%4.14%4.51%4.89%5.27%20252026

Updated each business day. Par yield on the 5-year note. History available from January 1962 (16,196 observations). 52-week range 3.51%–5.09%, set Feb 27, 2026 and Sep 30, 2026. Source: U.S. Treasury via FRED series DGS5.

10-Year Treasury

4.90%  ▼ -5 bps
3.81%4.14%4.47%4.81%5.14%5.47%20252026

Updated each business day. The benchmark mortgage rates are priced against. History available from January 1962 (16,196 observations). 52-week range 3.97%–5.31%, set Feb 27, 2026 and Oct 5, 2026. Source: U.S. Treasury via FRED series DGS10.

30-Year Treasury

5.28%  ▼ -4 bps
4.17%4.50%4.83%5.16%5.49%5.82%20252026

Updated each business day. Par yield on the 30-year bond. History available from February 1977 (12,426 observations). 52-week range 4.64%–5.67%, set Nov 26, 2025 and Oct 7, 2026. Source: U.S. Treasury via FRED series DGS30.

Background

Why a lending site tracks Treasuries

Treasury yields are the risk-free floor under every other rate in the economy. A 30-year mortgage is, functionally, the 10-year yield plus a spread for credit risk, prepayment risk, servicing and lender margin. Watch the 10-year and you will see mortgage rates coming before any weekly survey reports them.

The 10-year, not the 30-year

Thirty-year mortgages are benchmarked to the 10-year note rather than the 30-year bond because borrowers refinance, move and pay early. The average 30-year mortgage is repaid in well under a decade, so its effective duration is much closer to ten years than to thirty.

Curve shape

A normal curve slopes upward: longer maturities pay more. When short yields exceed long ones the curve is inverted, which has historically preceded recessions and which compresses bank margins, since banks fund long-dated loans with short-dated deposits. The chart above shows the current shape at four points on the curve.