Live rates and markets

The numbers behind every loan and savings account. Official sources only, refreshed every few hours. Last update Nov 12, 2026 12:18 UTC.

30-year fixed mortgage (US)
7.18% −0.06

What most US buyers pay on a 30-year fixed loan with good credit. Mortgage calculator

Nov 5, 2026 · FRED, Federal Reserve Bank of St. Louis

15-year fixed mortgage (US)
6.57% −0.03

Shorter loans usually price lower than 30-year loans. Amortization schedule

Nov 5, 2026 · FRED, Federal Reserve Bank of St. Louis

Federal funds rate
3.88% +0.13

The Federal Reserve's policy rate. Savings accounts and card APRs follow it. Credit card payoff

Oct 1, 2026 · FRED, Federal Reserve Bank of St. Louis

10-year Treasury yield
4.88% +0.02

Mortgage rates track this yield plus a spread of roughly 1.5 to 3 points. Mortgage calculator

Nov 9, 2026 · FRED, Federal Reserve Bank of St. Louis

US consumer prices (CPI-U)
0.00% year on year

Consumer prices. The figure shown is the change over 12 months. Inflation calculator

Oct 1, 2026 · FRED, Federal Reserve Bank of St. Louis

US unemployment rate
4.10% −0.10

Share of the US labor force looking for work. Salary calculator

Oct 1, 2026 · FRED, Federal Reserve Bank of St. Louis

ECB deposit facility rate
2.50% +0.25

The rate that drives euro savings and variable mortgages. Compound interest

Sep 16, 2026 · European Central Bank

Bank of England Bank Rate
4.00% 0.00

Sets the base for UK tracker mortgages and savings rates. Mortgage calculator

Nov 11, 2026 · Bank of England

S&P 500
7,521 −29

The 500 largest US listed companies, index level. Investment calculator

Nov 10, 2026 · FRED, Federal Reserve Bank of St. Louis

Currencies and crypto

Exchange rates are ECB reference rates published each working day. Crypto prices come from CoinGecko.

Currency converter
PairRate24 hUpdated
Bitcoin / USD$73,314-0.89%Nov 12 12:17 UTC
Ether / USD$2,041-0.91%Nov 12 12:17 UTC
Solana / USD$82.86-1.13%Nov 12 12:17 UTC
USD / EUR euro0.8987–Nov 11, 2026
USD / GBP pound0.7515–Nov 11, 2026
USD / JPY yen159.23–Nov 11, 2026
USD / CAD Canadian dollar1.4235–Nov 11, 2026
USD / CHF Swiss franc0.8299–Nov 11, 2026
USD / AUD Australian dollar1.4579–Nov 11, 2026
USD / INR rupee93.69–Nov 11, 2026

Central bank news

Nov 10
European Central Bank
Philip R. Lane: The science and practice of monetary policy communication: the ECB experience
Nov 10
European Central Bank
Piero Cipollone: Cash and the digital euro: two sides of the same coin
Nov 10
Bank of England
Exchange of letters between the Governor and the Chancellor on the Asset Purchase Facility - November 2026
Nov 7
European Central Bank
Christine Lagarde: Interview with Yomiuri Shimbun
Nov 6
European Central Bank
ECB publishes consolidated banking data for end-June 2026
Nov 5
Bank of England
Bank rate increased to 4% - November 2026 Monetary Policy Summary and Minutes
Nov 5
European Central Bank
Isabel Schnabel: Navigating stormy waters: reflections on monetary policy
Nov 5
European Central Bank
Piero Cipollone: Shaping the future of money
Nov 4
Bank of England
Summary of the RTGS CHAPS Industry Forum - 13 October 2026
Nov 4
European Central Bank
ECB wage tracker suggests slightly higher wage growth in first three quarters of 2027 compared with the full year of 2026
Nov 3
Bank of England
Regulators explore credit union reforms to support growth, innovation and better outcomes for members
Nov 2
European Central Bank
Boris Vujčić: Integrated, open and resilient: Europe’s strengths in a fragmenting world
Oct 29
Bank of England
Minutes of the Meeting of the Court of Directors held on 17 September 2026
Oct 29
Bank of England
Bank of England sets out approach to tokenised collateral in central clearing
Oct 28
Federal Reserve
Federal Reserve issues FOMC statement
Oct 28
Bank of England
Remit for the Monetary Policy Committee - October 2026