Treasury Yields Today
The 10-year Treasury yield closed at 4.91% on November 2, 2026 (U.S. Treasury) — the benchmark behind mortgage rates, now 7.24% for a 30-year loan. A 3-month T-bill yields 4.21%, a useful yardstick for any savings rate you are offered.
U.S. Treasury close, November 2, 2026. 2-year: 4.59% · 30-year: 5.28%.
Yield curve today
Normal (positive)+0.70 pt
Freddie Mac 7.24%, week of Oct 29, 2026+2.26 pt
All maturities
| Maturity | Yield | vs prior day | A year ago |
|---|---|---|---|
| 1-month | 4.05% | ▼ 0.01 pt | 4.06% |
| 2-month | 4.16% | unchanged | 4.04% |
| 3-month | 4.21% | ▲ 0.05 pt | 3.89% |
| 4-month | 4.19% | ▲ 0.01 pt | 3.87% |
| 6-month | 4.25% | unchanged | 3.79% |
| 1-year | 4.38% | ▲ 0.02 pt | 3.70% |
| 2-year | 4.59% | ▲ 0.03 pt | 3.60% |
| 3-year | 4.65% | unchanged | 3.60% |
| 5-year | 4.70% | ▼ 0.01 pt | 3.71% |
| 7-year | 4.79% | ▼ 0.01 pt | 3.89% |
| 10-year | 4.91% | ▼ 0.03 pt | 4.11% |
| 20-year | 5.31% | ▼ 0.03 pt | 4.65% |
| 30-year | 5.28% | ▼ 0.03 pt | 4.67% |
"A year ago" is the close on October 31, 2025.
Yields over the last 52 weeks
Last 10 business days
| Date | 3-mo | 2-yr | 10-yr | 30-yr |
|---|---|---|---|---|
| Nov 2, 2026 | 4.21% | 4.59% | 4.91% | 5.28% |
| Oct 30, 2026 | 4.16% | 4.56% | 4.94% | 5.31% |
| Oct 29, 2026 | 4.18% | 4.61% | 4.98% | 5.32% |
| Oct 28, 2026 | 4.18% | 4.67% | 5.05% | 5.37% |
| Oct 27, 2026 | 4.22% | 4.70% | 4.99% | 5.30% |
| Oct 26, 2026 | 4.22% | 4.68% | 5.00% | 5.31% |
| Oct 23, 2026 | 4.22% | 4.69% | 5.00% | 5.33% |
| Oct 22, 2026 | 4.22% | 4.65% | 4.96% | 5.29% |
| Oct 21, 2026 | 4.25% | 4.81% | 5.13% | 5.42% |
| Oct 20, 2026 | 4.26% | 4.79% | 5.12% | 5.42% |
More rates
Mortgage rates this weekFreddie Mac weekly 30- and 15-year averages›
Savings & CD ratesFDIC national averages for every account type›
Mortgage payment calculatorWith taxes, insurance, PMI and HOA›
Compound interest calculatorSee how savings grow over time›
Questions & answers
What is the 10-year Treasury yield today?
4.91% at the close on November 2, 2026, according to the U.S. Treasury's daily par yield curve. The previous business day it was 4.94%, and a year earlier 4.11%.
What is the yield on a 3-month Treasury bill?
4.21% on November 2, 2026. Treasury bills can be bought directly from the government at TreasuryDirect.gov or through a brokerage account, and their interest is exempt from state and local income tax.
Is the yield curve inverted?
The 10-year minus 3-month spread is +0.70 point and the 10-year minus 2-year spread is +0.32 point on November 2, 2026. Both being positive means longer bonds yield more than short ones, the normal shape.
How do Treasury yields affect mortgage rates?
Fixed mortgage rates move with long-term Treasury yields. On October 29, 2026 the Freddie Mac 30-year mortgage average was 7.24%, 2.26 point above the 10-year Treasury yield of 4.98% that day.
What are "par yield curve rates"?
They are the Treasury's daily estimates of the yield on a Treasury security trading at par for each maturity, based on end-of-day market quotes. They are the official benchmark yields published by the U.S. Treasury.
Source: U.S. Department of the Treasury, Daily Treasury Par Yield Curve Rates (end-of-day, bond-equivalent basis; public domain). Spreads and changes are Tachlis calculations. Updated automatically every business day.