U.S. Treasuries indicate yields for on-the-run U.S. Treasury bills, notes, and bonds, which are typically the most recently auctioned and most liquid issue with a maturity closest to the stated tenor. These are commonly used for pricing fixed rate debt at origination and for calculating yield maintenance.
| 5 yr | 10 yr | 15 yr | 30 yr | |
|---|---|---|---|---|
| Treasuries | % | % | % | |
| Commercial Rate | 2.60% | 2.60% | ||
| Multifamily Rate | 2.25% | 2.25% | ||
| Residential Rate |
The London Interbank Offered Rate (LIBOR) is averaged from reports by a panel of banks seeking unsecured USD-denominated loans in the short-term money market. The LIBOR index is the adjustable interest rate referenced on hundreds of trillions of USD dollars worth of debt and derivatives.
The Effective Federal Funds Rate is an average based on daily overnight lending transactions between depository banks in the Fed system. The Prime Rate is the underlying index for many small business loans and retail lending such as credit cards or auto loans.
| This Week | Month Ago | Year Ago |
|---|
| Date Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed. Info Icon | America First Credit UnionAPY APY last updated between 12/17 and 12/23. APY APY last updated between 12/17 and 12/23 Info Icon | National average APY The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product. Info Icon |
|---|---|---|
| 12/03/2024 | 4.25% | 1.41% |
| 11/19/2024 | 4.25% | 1.42% |
| 10/29/2024 | 3.90% | 1.42% |
| 10/01/2024 | 3.85% | 1.42% |
| 09/24/2024 | 3.85% | 1.43% |