Federal data trackers
Current Average Interest Rates (Mortgage, Credit Card, Auto, Savings)
Typical current US rates for the products people borrow and save with, gathered from the Federal Reserve, Freddie Mac, FDIC, and the Department of Education. Each row links to its source.
Refreshed each quarterly source review
Current average rates
| Product | Typical rate | As of |
|---|---|---|
| 30-Year Fixed Mortgage | 6.36% | May 2026 |
| Credit Card APR (avg, accounts assessed interest) | 21.52% | May 2026 release (March 2026 data) |
| Auto Loan (60-month new car, avg) | 7.52% | May 2026 release (March 2026 data) |
| Personal Loan (24-month unsecured, avg) | 11.40% | May 2026 release (March 2026 data) |
| Federal Direct Subsidized/Unsubsidized (Undergrad) | 6.52% | AY 2026-27 |
| HELOC (typical introductory rate) | 7.26% | May 2026 |
| 12-month CD (top online rate, typical) | 4.10% | May 2026 |
| National Avg Savings APY | 0.38% | May 2026 |
| High-Yield Savings (typical) | 4% | May 2026 |
Sources
- Freddie Mac PMMS — 30-Year Fixed Rate Mortgage Average
- Federal Reserve G.19 — Consumer Credit
- Federal Reserve G.19 — Consumer Credit
- Federal Reserve G.19 — Consumer Credit
- US Dept of Education — Interest Rates and Fees for Federal Student Loans
- Bankrate — Current HELOC Rates
- FDIC + reported top online CD rates
- FDIC National Rates and Rate Caps
- FDIC National Rates + reported HYSA APY (top online banks)
Frequently asked questions
Are these the rates I will personally get?
Not exactly. These are national averages or typical rates. Your actual rate depends on your credit, the lender, loan term, and market conditions on the day you lock it.