EconomyMortgage Rates Fall to 7.32% — Week of Oct 22, 2026News Paper Joint
Economy
Data updated Oct 28, 2026 · 6:02 AM EDT
Interest Rates: Fed Funds & 10-Year Treasury
Latest reading: September 1, 2026 · Source: Federal Reserve (via FRED)
Fed Funds Rate
3.75%
▲ 0.12 pts vs prior
10-Year Treasury Yield
5.00%
unchanged vs prior
Snapshot
The effective federal funds rate is 3.75% (September 2026), and the 10-year Treasury yield is 5.00% as of October 26, 2026. Mortgage, auto-loan and savings rates tend to follow these benchmarks.
Trend
Fed Funds Rate 10-Year Treasury YieldRecent History
| Date | Fed Funds Rate | 10-Year Treasury Yield |
|---|---|---|
| Sep 1, 2026 | 3.75% | 4.79% |
| Aug 1, 2026 | 3.63% | — |
| Jul 1, 2026 | 3.63% | 4.48% |
| Jun 1, 2026 | 3.63% | 4.47% |
| May 1, 2026 | 3.63% | 4.39% |
| Apr 1, 2026 | 3.64% | 4.33% |
| Mar 1, 2026 | 3.64% | — |
| Feb 1, 2026 | 3.64% | — |
| Jan 1, 2026 | 3.64% | — |
| Dec 1, 2025 | 3.72% | 4.09% |
| Nov 1, 2025 | 3.88% | — |
| Oct 1, 2025 | 4.09% | 4.12% |
Latest Mortgage Rates News
All news →Frequently Asked Questions
What is the federal funds rate right now?
The effective federal funds rate is 3.75% as of September 2026.
Data source & method: Federal Reserve Bank of St. Louis (FRED). Data updated Oct 28, 2026 · 6:02 AM EDT. This page refreshes automatically; figures are shown exactly as published by the source. How we source data.