How we work

The rate board is a dated snapshot, not a live feed from an undocumented API.

Federal funds target

Taken from the FOMC’s post-meeting statement. Current range 3.75%–4%, October 28, 2026. Source: FOMC statement, October 28, 2026.

Interest on reserves and window rate

Taken from the implementation note issued the same day. Source: Fed implementation note, October 28, 2026.

Mortgage averages

Freddie Mac Primary Mortgage Market Survey, published Thursdays. 30-year 7.24% and 15-year 6.60% as of October 29, 2026. Source: Freddie Mac PMMS, week of October 29, 2026. That survey is a national average for strong-credit, 20% down, conforming purchase applications. It is not your quote.

Calculators

Mortgage payment uses the standard fully amortizing formula. Card payoff compounds monthly at APR/12 until the balance clears, or reports that the payment cannot cover interest. Refinance break-even is closing costs divided by the monthly payment cut. Extra-versus-savings compares remaining-term mortgage interest with a simple pretax savings illustration. None of them include taxes, insurance, or points unless you type those costs in.

Updates

Board figures are updated when the Fed or Freddie Mac publishes. File date on this snapshot: October 30, 2026. We would rather be a day late with a citation than first with a rumor.

Drafting may use software. Publishing requires a human check against the linked source.