After the Fed
US AU

Independent household explainer. Not the Federal Reserve, not a lender, not advice.

Charts

Rates, at a glance

Official US series, drawn straight from the source files. Hover or tap a chart to read a value. Every chart links to where the numbers come from.

Fed funds target range

3.75%–4.00%, effective September 17, 2026

Size of each change (percentage points)

Source: Board of Governors of the Federal Reserve System, Open Market Operations: Federal funds rate target changes. Public domain; cite the Board as source. Effective dates as listed by the Board. Single target before December 16, 2008; a range since. The page lists changes only, not meetings where the Fed held. Download CSV.

US 30-year and 15-year fixed mortgage rates

7.24% (30-yr) and 6.60% (15-yr), week of October 29, 2026

30-year fixed 15-year fixed

Source: Freddie Mac, Primary Mortgage Market Survey®, weekly national averages. Used with attribution, unaltered, per Freddie Mac’s terms. The 15-year series starts in 1991. Freddie Mac’s own history file: PMMS_history.csv.