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As of July 15, 2026, the federal funds rate is 3.63%, the 10-year Treasury yields 4.62%, and the average credit card APR is 20.94% (Federal Reserve / FDIC data).
Last updated July 15, 2026 · Federal Reserve (FRED), Federal Reserve G.19, and FDIC National Rates. Refreshed on each source's release schedule.
3.63%
The federal funds effective rate is 3.63% (June 2026).
Source: Federal Reserve via FRED (FEDFUNDS) · as of June 1, 2026
4.62%
The 10-year US Treasury yield is 4.62%.
Source: US Treasury via FRED (DGS10) · as of July 13, 2026
0.4 percentage points
The 10-year minus 2-year Treasury spread is 0.4 percentage points.
Source: FRED (T10Y2Y) · as of July 14, 2026
4.2%
The national average savings account rate is 4.2% APY.
Source: FDIC National Rates · as of May 12, 2026
4.6%
The national average 12-month CD rate is 4.6%.
Source: FDIC National Rates · as of May 12, 2026
20.94%
The average credit card interest rate in the US is 20.94% APR.
Source: Federal Reserve G.19 Consumer Credit via FRED · as of May 1, 2026
7.05%
The average 60-month new car loan rate is 7.05%.
Source: Federal Reserve G.19 Consumer Credit via FRED · as of March 31, 2026
The federal funds effective rate is 3.63% (June 2026). Source: Federal Reserve via FRED (FEDFUNDS). Retrieved from CodeOpx, https://codeopx.com/stats/interest-rates#fed-funds-rate
Licensed CC-BY 4.0 — free to reuse with attribution. Figures refresh automatically from the sources above; the anchor links are stable. Corrections: corrections@codeopx.com.