National averages
Rates right now
What borrowing costs across the country at the moment — for homes, cards, cars and personal loans. These are averages to measure an offer against, not offers themselves.
30-year fixed mortgage
7.18%
Week of Nov 5, 2026 · Freddie Mac, updated weekly
Down 0.06 points from Oct 29, 2026
The national average rate on a 30-year fixed-rate home loan. Your own rate depends on your credit, your down payment and the lender.
Compare two loan offers →15-year fixed mortgage
6.57%
Week of Nov 5, 2026 · Freddie Mac, updated weekly
Down 0.03 points from Oct 29, 2026
A shorter loan, so a higher monthly payment — but you pay interest for half as long.
Compare two loan offers →Credit cards, if you carry a balance
22.36%
Aug 2026 · Federal Reserve, updated monthly
Up 0.21 points from May 2026
The average rate banks charge on card accounts that are paying interest. Pay in full each month and you usually pay none of it.
See what a balance really costs →New car loan, 48 months
7.47%
Aug 2026 · Federal Reserve, updated monthly
No change from May 2026
The average rate banks charge on a four-year loan for a new car.
Compare two loan offers →Personal loan, 24 months
11.90%
Aug 2026 · Federal Reserve, updated monthly
Up 0.04 points from May 2026
The average rate banks charge on a two-year personal loan.
Would consolidating save you money? →Federal funds rate
3.88%
Nov 3, 2026 · Federal Reserve, updated daily
No change from Nov 2, 2026
The overnight rate banks charge each other, steered by the Federal Reserve. Many variable rates, including most credit cards, tend to follow it.
About these figures
These are national averages. The rate you’re offered depends on your credit, the loan and the lender, so it can be higher or lower. Some figures are published weekly and others every month or so, which is why the dates differ.
Sources: mortgage rates from the Freddie Mac Primary Mortgage Market Survey®; credit card, car loan and personal loan rates from the Federal Reserve’s G.19 Consumer Credit release (rates at commercial banks); the federal funds rate from the Federal Reserve. All retrieved through FRED, Federal Reserve Bank of St. Louis.