RATE WATCH CENTER
Current rates,
sourced and dated.
Mortgage, savings, CD, Treasury and forex rates — all wired into every calculator. Set an alert and we'll tell you when your break-even changes.
Tell us your target rate and we'll email you the moment it's reached — including an updated break-even estimate.
No spam. One email per trigger. Unsubscribe any time.
MORTGAGE RATES
Week of Jul 21, 2026
Source: Freddie Mac PMMS · Bankrate
30-yr fixed
6.48%
Freddie Mac PMMS
15-yr fixed
5.71%
Freddie Mac PMMS
FHA 30-yr
6.12%
HUD
5/1 ARM
5.98%
Bankrate
Jumbo 30-yr
6.61%
Bankrate
VA 30-yr
5.92%
VA
SAVINGS & CD RATES
Top nationally available rates
Top HYSA (national)
SoFi / Marcus · HYSA
4.35%
Top 12-mo CD
Bread Financial · CD
4.20%
Top 6-mo CD
Popular Direct · CD
4.05%
Top 24-mo CD
Synchrony · CD
3.85%
Top money market
Vanguard · Money Market
4.18%
National avg savings
FDIC average · Savings
0.41%
US TREASURY YIELDS
As of Jul 21, 2026 · 9:00 AM ET
3-month T-Bill
5.08%
6-month T-Bill
4.98%
1-year Treasury
4.72%
2-year Treasury
4.42%
5-year Treasury
4.22%
10-year Treasury
4.12%
CURRENCY RATES
Relevant pairs for Americans Abroad
EUR / USD
1.0842
GBP / USD
1.2741
USD / MXN
17.31
USD / CAD
1.3618
USD / THB
35.28
USD / INR
83.76
CD LADDER TOOL
Build a CD ladder with current rates
Enter your amount and term preference. The builder designs a rolling ladder, shows blended yield, total return and a maturity calendar you can add to Google or Apple Calendar.