Sources & Methodology

Rates are pulled from Federal Reserve Economic Data (FRED) using the latest available observations. Some series update daily, others weekly.

This page exists to document source transparency for users and search engines. It clarifies which public series are used, how frequently values may change, and why publication cadence differs across benchmarks.

• Mortgage 30Y: FRED series MORTGAGE30US
• Mortgage 15Y: FRED series MORTGAGE15US
• EFFR: FRED series EFFR
• SOFR: FRED series SOFR
• Treasury 3M / 2Y / 10Y: DGS3MO, DGS2, DGS10

Update logic

TodayRates requests the most recent observations available from FRED and displays the latest published value for each series. Because the upstream series have different release schedules, the site may show same-day updates for some rates and older publication dates for others.

Coverage notes

The goal is to cover the most searched US borrowing and benchmark rates on a single site: policy-sensitive rates, Treasury yields across key maturities, and retail mortgage pricing. This improves comparability for visitors researching today's rate environment.