US benchmark rates today
June 2026, %.
About this data
The fed funds upper bound (3.75%) anchors the short end, while the 10-year Treasury (~4.45%) and the 30-year fixed mortgage (~6.53%) set borrowing costs further out. The gap between the mortgage rate and the 10-year reflects a still-elevated risk premium that has been slowly normalizing.
June 2026, %. The fed funds upper bound, the 10-year Treasury, and the 30-year mortgage.
View data & sources →Data table
| pct | label | series | source_ref | value_basis |
|---|---|---|---|---|
| 3.75 | Fed funds (upper bound) | rates_now | fed-jun2026 | Target range upper bound 3.75% after June 2026 hold |
| 4.45 | 10-yr Treasury | rates_now | mnd-treasury | 10-year Treasury yield 4.45% on Jun 17 2026 |
| 6.53 | 30-yr fixed mortgage | rates_now | bankrate-mortgage | 30-year fixed mortgage averaged 6.53% on Jun 22 2026 |
Methodology & sources
Last updated: Jul 17, 2026Methodology
Source-backed values are seeded for both charts: the year-end fed funds target midpoint (2021 → 2026) and a snapshot of current US benchmark rates. Every numeric point carries a sources[].ref and a value_basis. The rate path is from the Federal Reserve’s published FOMC history; the June 2026 hold (range 3.50–3.75%) is the fourth consecutive hold under Chair Kevin Warsh. The 10-year Treasury and 30-year mortgage are dated snapshots (mid/late June 2026). Fed-funds points use the midpoint of the target range. Re-verified 2026-06-22.
Sources
Comparisons are informative, not definitive. See each source for definitions and limits.