Key Interest Rates, October 2026: Fed Funds, Prime and Treasury Yields
The federal funds rate is 3.88% and the prime rate is 7.00% as of October 1, 2026.
Federal Reserve H.15 release of October 2, 2026 (data for October 1, 2026) · Last updated October 5, 2026 · Download CSV
Key numbers. Effective fed funds 3.88%. Prime 7.00%. 10-year Treasury 5.24%. 1-year Treasury 4.24%. Many variable-rate loans and credit cards are priced off the prime rate.
| Instrument | Rate on Oct 1, 2026 (%) |
|---|---|
| Federal funds (effective) | 3.88 |
| Bank prime loan | 7.00 |
| Discount window primary credit | 4.00 |
| Treasury bills, 4-week (secondary market) | 3.89 |
| Treasury bills, 3-month | 4.00 |
| Treasury bills, 6-month | 4.13 |
| Treasury bills, 1-year | 4.24 |
| Treasury constant maturity, 2-year | 4.78 |
| Treasury constant maturity, 5-year | 5.01 |
| Treasury constant maturity, 10-year | 5.24 |
| Treasury constant maturity, 20-year | 5.64 |
| Treasury constant maturity, 30-year | 5.61 |
| Inflation-indexed 10-year | 2.88 |
How to read this
The prime rate is a benchmark for many variable-rate loans, credit cards and home equity lines. Treasury yields guide CD, mortgage and savings pricing. Figures are daily values for October 1, 2026, in percent per year; they change every business day. See average consumer borrowing costs and national savings rates.
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Cite this page
Financialist Editorial Team. "Key Interest Rates, October 2026: Fed Funds, Prime and Treasury Yields." Financialist, October 5, 2026. https://financialist.com/research/key-interest-rates-october-2026
Free to quote with a link back.
Financialist Editorial Team. "Key Interest Rates, October 2026: Fed Funds, Prime and Treasury Yields." Financialist, October 5, 2026. https://financialist.com/research/key-interest-rates-october-2026
Free to quote with a link back.