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Thursday, November 5, 2026Plain answers about borrowing, credit and everyday money

What borrowing costs right now

Average US rates from official sources, checked every day. Use them to judge whether an offer you got is high or low. Your own rate depends on your credit, income and the lender.

Data checked Nov. 5, 2026

30-year fixed mortgage

Average rate on a 30-year fixed-rate home loan, from Freddie Mac’s weekly survey of lenders. A year ago it was 6.19%; now it is 7.24%.

5.5%6.0%6.5%7.0%7.5%8.0%2024202520267.24%
Recent values
Date30-yr mortgage
Oct. 29, 20267.24%
Oct. 22, 20267.32%
Oct. 15, 20267.40%
Oct. 8, 20267.40%
Oct. 1, 20267.28%
Sept. 24, 20267.03%
Sept. 17, 20266.95%
Sept. 10, 20266.76%

Source: Freddie Mac via FRED (MORTGAGE30US), weekly.

15-year fixed mortgage

Average rate on a 15-year fixed-rate home loan, from the same weekly survey. A year ago it was 5.44%; now it is 6.60%.

4.5%5.0%5.5%6.0%6.5%7.0%7.5%2024202520266.60%
Recent values
Date15-yr mortgage
Oct. 29, 20266.60%
Oct. 22, 20266.68%
Oct. 15, 20266.71%
Oct. 8, 20266.73%
Oct. 1, 20266.60%
Sept. 24, 20266.42%
Sept. 17, 20266.26%
Sept. 10, 20266.09%

Source: Freddie Mac via FRED (MORTGAGE15US), weekly.

Credit card APR

Average interest rate on credit card accounts that were charged interest, at commercial banks. A year ago it was 22.83%; now it is 22.36%.

21.0%21.5%22.0%22.5%23.0%23.5%24.0%20242025202622.36%
Recent values
DateCard APR
Aug. 1, 202622.36%
May 1, 202622.15%
Feb. 1, 202621.52%
Nov. 1, 202522.30%
Aug. 1, 202522.83%
May 1, 202522.25%
Feb. 1, 202521.91%
Nov. 1, 202422.80%

Source: Federal Reserve via FRED (TERMCBCCINTNS), quarterly.

24-month personal loan

Average rate on a 24-month personal loan at commercial banks. A year ago it was 11.14%; now it is 11.90%.

11.0%11.5%12.0%12.5%13.0%20242025202611.90%
Recent values
DatePersonal loan
Aug. 1, 202611.90%
May 1, 202611.86%
Feb. 1, 202611.36%
Nov. 1, 202511.63%
Aug. 1, 202511.14%
May 1, 202511.57%
Feb. 1, 202511.66%
Nov. 1, 202412.32%

Source: Federal Reserve via FRED (TERMCBPER24NS), quarterly.

60-month new car loan

Average rate on a 60-month loan for a new car at commercial banks. A year ago it was 7.64%; now it is 7.54%.

7.0%7.5%8.0%8.5%9.0%2024202520267.54%
Recent values
DateCar loan
Aug. 1, 20267.54%
May 1, 20267.14%
Feb. 1, 20267.53%
Nov. 1, 20257.24%
Aug. 1, 20257.64%
May 1, 20257.67%
Feb. 1, 20258.04%
Nov. 1, 20247.82%

Source: Federal Reserve via FRED (RIFLPBCIANM60NM), quarterly.

Prime rate

The rate banks charge their best customers. Most credit card APRs are prime plus a margin. A year ago it was 7.25%; now it is 7.00%.

6.5%7.0%7.5%8.0%8.5%9.0%2024202520267.00%
Recent values
DatePrime rate
Oct. 27, 20267.00%
Oct. 23, 20267.00%
Oct. 16, 20267.00%
Oct. 9, 20267.00%
Oct. 2, 20267.00%
Sept. 25, 20267.00%
Sept. 18, 20267.00%
Sept. 11, 20266.75%

Source: Federal Reserve via FRED (DPRIME), daily.

Fed funds target rate

The top of the Federal Reserve’s target range. Card and HELOC rates usually move with it. A year ago it was 4.00%; now it is 4.00%.

3.5%4.0%4.5%5.0%5.5%6.0%2024202520264.00%
Recent values
DateFed rate
Nov. 4, 20264.00%
Nov. 1, 20264.00%
Oct. 25, 20264.00%
Oct. 18, 20264.00%
Oct. 11, 20264.00%
Oct. 4, 20264.00%
Sept. 27, 20264.00%
Sept. 20, 20264.00%

Source: Federal Reserve via FRED (DFEDTARU), daily.

Inflation (CPI, 12 months)

How much consumer prices rose over the past 12 months. A year ago it was 3.02%; now it is 3.72%.

2.0%2.5%3.0%3.5%4.0%4.5%2024202520263.72%
Recent values
DateInflation
Sept. 1, 20263.72%
Aug. 1, 20263.35%
July 1, 20263.30%
June 1, 20263.46%
May 1, 20264.17%
April 1, 20263.78%
March 1, 20263.29%
Feb. 1, 20262.43%

Source: Bureau of Labor Statistics via FRED (CPIAUCSL), monthly.

About these numbers

These are national averages, not offers. Lenders price each loan on your credit score, debt and down payment, so the rate you are quoted can be well above or below them. Card, personal loan and car loan rates come from a quarterly Federal Reserve survey of commercial banks and lag by a few months; mortgage rates are weekly.

Run the numbers on a specific offer with our loan payment calculator or compare two offers side by side.