Fed Effective Funds Rate (EFFR)
The Effective Federal Funds Rate is the benchmark overnight rate watched for Federal Reserve policy conditions.
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Financial reference tool
US Interest Rates Today
Monitor today's Fed Funds Rate, Treasury yields, SOFR, and mortgage rates with mini charts, real historical windows, and focused pages built for search intent.
Latest published update: 5/28/2026
Why these rates matter
US interest rates influence borrowing costs, bond pricing, mortgage affordability, and expectations for Federal Reserve policy. This page is designed to answer high-intent queries quickly and move users deeper into specific rate pages when they need more context.
Instead of static values only, the cards below now show a mini chart and real historical change windows so the site reads like a reference tool, not a thin dashboard.
Treasury 10Y
The 10-year Treasury yield is a core benchmark for mortgages, valuation models, and risk sentiment.
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4.45
%
2026-05-284.45
1D
-0.03
1M
+0.09
1Y
-0.02
Updated: 5/28/2026 · Prev: 4.48%
Treasury 2Y
The 2-year Treasury yield often reacts quickly to inflation and policy expectations.
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3.99
%
2026-05-283.99
1D
-0.01
1M
+0.15
1Y
+0.03
Updated: 5/28/2026 · Prev: 4.00%
Treasury 3M
The 3-month Treasury yield is a short-term reference for cash and money-market conditions.
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SOFR
SOFR reflects the cost of overnight borrowing collateralized by US Treasury securities.
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Mortgage 30Y (US avg)
The average 30-year mortgage rate is a key borrowing benchmark for US homebuyers and refinancing.
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Mortgage 15Y (US avg)
The average 15-year mortgage rate helps compare shorter mortgage terms and refinancing costs.
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Dedicated rate pages
Each rate cluster now has a dedicated landing page built to rank for focused search intent and hold more historical context than a dashboard card can show.
Comparison pages
Comparison pages give you a better chance to rank for intent-driven queries and help users understand spread behavior, not just point-in-time values.
Frequently asked questions
What is the most important US interest rate to watch today?
That depends on the decision you are making. EFFR matters for monetary policy, Treasury yields matter for market expectations, and mortgage rates matter for home financing.
How often are the rates updated?
TodayRates refreshes published FRED series as new observations become available. Some series update daily and others update weekly.
Where does the data come from?
The site uses Federal Reserve Economic Data (FRED) series and documents the specific sources on the methodology page.
How to use this page
Use the cards above to compare short-term policy rates with longer-duration Treasury benchmarks and mortgage pricing. That combination helps explain whether borrowing conditions are driven more by Federal Reserve policy, bond-market expectations, or consumer lending spreads.
For recurring search traffic, the site is now structured around broad queries, focused single-rate pages, and comparison pages. That gives crawlers stronger topical coverage and gives visitors a clearer path through the subject.