Current rates
Interest rates from authoritative public sources, each carrying the date its publisher observed it. Nothing here is interpolated, estimated, or carried forward from an older reading.
Why this page exists
An AI model is trained on a snapshot of the internet and has a knowledge cutoff, so it cannot reliably tell you what a Treasury pays today. Neither can an article written last year. These figures come straight from the Treasury and Freddie Mac, dated, with the source named.
US Treasury daily par yield curve
U.S. Department of the Treasury · published daily (business days) · observed September 22, 2026
| Treasury 1 mo state-tax exempt | 3.97% |
| Treasury 3 mo state-tax exempt | 4.16% |
| Treasury 6 mo state-tax exempt | 4.26% |
| Treasury 1 yr state-tax exempt | 4.43% |
| Treasury 2 yr state-tax exempt | 4.71% |
| Treasury 10 yr state-tax exempt | 4.96% |
Source: home.treasury.gov · US federal government work, public domain
Freddie Mac Primary Mortgage Market Survey
Freddie Mac · published weekly (Thursdays) · observed September 17, 2026
| Mortgage 30 yr fixed | 6.95% |
| Mortgage 15 yr fixed | 6.26% |
Source: www.freddiemac.com · Freddie Mac, free for non-commercial use with attribution
Using this
The dataset is machine-readable at data/rates.json, with every observation carrying its instrument, rate, source, the date the source observed it, and whether its interest is exempt from state income tax. An append-only history lives at data/history.json.
That state-tax exemption flag is the field that matters most: it is what makes a lower-advertised-rate Treasury beat a higher-rate savings account after tax. Run your own numbers in the idle cash tool.