Mortgage & Savings Rates Today
Mortgages average 7.24% for 30 years while the average savings account pays just 0.38% and a 3-month T-bill 4.21%. Know the real benchmarks before you borrow or save.
Mortgage rates
Savings & CDs
Treasury yields
Mortgage calculatorRates at a glance
Freddie Mac · Oct 29, 2026 · ▼ 0.08 pt7.24%15-year fixed mortgage
Freddie Mac · Oct 29, 2026 · ▼ 0.08 pt6.60%Savings account (national avg)
FDIC · October 2026 · ▲ 0.01 pt0.38%Money market (national avg)
FDIC · October 2026 · unchanged0.63%12-month CD (national avg)
FDIC · October 2026 · ▲ 0.03 pt1.76%3-month Treasury bill
U.S. Treasury · Nov 2, 2026 · ▲ 0.05 pt4.21%10-year Treasury note
U.S. Treasury · Nov 2, 2026 · ▼ 0.03 pt4.91%
Changes are versus the previous release (week, month or business day). Green means better for you: lower for borrowers, higher for savers.
Calculate your mortgage paymentQuestions & answers
What are mortgage rates right now?
The Freddie Mac average for the week of October 29, 2026 is 7.24% for a 30-year fixed loan and 6.60% for a 15-year fixed loan.
What is the average savings rate?
0.38% a year for savings and 1.76% for a 12-month CD, according to the FDIC's national rates published October 19, 2026.
Where do these rates come from?
Only official sources: Freddie Mac's weekly Primary Mortgage Market Survey, the FDIC's monthly National Rates and Rate Caps, and the U.S. Treasury's daily par yield curve. Tachlis does not take payment from banks or lenders to appear on these pages.
How often are the rates updated?
Treasury yields every business day, mortgage rates every Thursday and FDIC deposit rates once a month, all automatically.
Sources: Freddie Mac PMMS®, FDIC National Rates and Rate Caps, U.S. Treasury daily par yield curve. Updated automatically.