Where our numbers come from
Every rate on the site traces back to a named public source. This page lists them, and explains how we turn them into the figures you see.
Primary sources
| Rate | Series | Source | Cadence |
|---|---|---|---|
| 30- & 15-year fixed mortgage | MORTGAGE30US / MORTGAGE15US | Freddie Mac PMMS via FRED | Weekly |
| New-car auto loan, 60-month | RIFLPBCIANM60NM | Federal Reserve G.19 via FRED | Quarterly |
| Personal loan, 24-month | TERMCBPER24NS | Federal Reserve G.19 via FRED | Quarterly |
| Credit card APR (assessed) | TERMCBCCINTNS | Federal Reserve G.19 via FRED | Quarterly |
| HELOC average | — | Weekly lender survey | Weekly |
| Federal student loan rates | — | U.S. Dept. of Education | Annual (award year) |
How we present them
The figures we publish are national averages for well-qualified borrowers, unless a page says otherwise. Rate-by-credit-tier tables are modeled from published lender pricing and industry tier data; we label these as estimates because no single public series reports them. Your own quote depends on credit, income, loan size, and location, and will differ from any average.
Freshness
Each rate updates on its source's schedule, shown in the "Updated" cadence above and stamped on every table. The site's benchmark data was last refreshed July 2, 2026. Where a series reports quarterly, the number can lag the market by weeks — the cadence column is there so you know how fresh each line is.
Calculators
Our calculators use standard time-value-of-money math (Excel-compatible amortization) and run in your browser. They pre-fill a current benchmark so the first result is realistic; they are estimates for planning, not quotes or offers. Questions about a specific number? Contact us.