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No weekly change

Federal Funds Rate Tracker

Track the Fed policy rate and how it can affect savings APYs, CD rates, mortgage rates, and credit card APRs.

Fed funds midpoint

3.63%

Benchmark average

3.50%

User opportunity

25 bps can matter on large balances

Historical archive

Fed Funds over time

No weekly change
12 mo9 mo6 mo3 mo30 dToday

3 mo

3.58%

30 d

3.69%

Today

3.58%

What changed

Rates are holding steady, which makes comparison discipline more important than timing.

Why it matters

What do Fed moves mean for my accounts?

What to do next

Check whether your savings rate, loan APR, or mortgage quote moved with the market.

How we track this rateShow
SourceSt. Louis Fed FRED (FEDFUNDS series), updated monthly
MethodFederal Funds Effective Rate (FRED series FEDFUNDS) sourced from St. Louis Fed FRED API via the weekly fred-history cron and stored in rate_snapshots. Current rate reflects the most recent available monthly observation.

Verified existing coverage

Use what SwitchWize already has

2 links
CalculatorRate Gap CalculatorSee exactly how much money your bank is costing you every year.BenchmarkBenchmark pageExisting SwitchWize market context connected to this benchmark.

Related rate pages

All rates

Benchmark

Prime Rate

No weekly change

6.63%

Prime rate

Track the benchmark that influences many HELOCs, credit cards, and variable-rate loans.

Benchmark

10-Year Treasury

-6bps this week

4.15%

10-year Treasury yield

Follow the market yield that often influences mortgage pricing and long-term rate sentiment.

Product rate

Card APRs

No weekly change

24.99% APR

Typical purchase APR

Track credit card APR pressure and see when balance transfer or debt payoff actions may save money.

Product rate

HELOC Rates

No weekly change

8.20% APR

Best HELOC APR

Track HELOC APR movement and see how prime-rate changes can flow into variable home-equity borrowing.