Methodology

Where the numbers come from

Every rate on our live pages and tools comes from an official or public source, named and linked next to the number:

• Treasury yields: U.S. Department of the Treasury, Daily Treasury Par Yield Curve Rates.
• Treasury bill auctions: U.S. Treasury, Fiscal Data (Treasury Securities Auctions Data), cross-checked against TreasuryDirect.
• Savings and CD averages: FDIC National Rates and Rate Caps, via the St. Louis Fed's FRED.
• Credit card rates: Federal Reserve G.19 Consumer Credit (commercial bank credit card plans) and the bank prime loan rate from the Fed's H.15, via FRED.
• Fed funds, mortgages and inflation: the Federal Reserve, Freddie Mac and the Bureau of Labor Statistics.

We show market-wide averages and official results. We don't pick or rank individual bank accounts or credit cards, and we make no "best" claims. Where a page links to a bank or card issuer, it is to that issuer's own rates or terms page, which is the authoritative source for its terms.

How often we refresh

• We pull every source once a day, every day, and rebuild the pages. Each table shows when the source last published (the observation date) and when we last pulled it.
• Sources publish on their own schedules: Treasury yields every trading day, bill auctions after each auction, FDIC national rates monthly, the Fed's card-rate series quarterly. A monthly or quarterly number can be correct and current even though its observation date is weeks old.
• 72-hour rule: on every live rates page (Fed funds, Treasury yields, mortgage rates and CPI inflation), the money pages (savings and CD rates, Treasury bills, credit card rates), the tools, the rates and money hubs, the homepage rate strip and the Fed funds odds, if we have not successfully pulled a rate from its source in the last 72 hours, the page hides that rate and says so instead of showing a number we have not verified. The check runs when the page is built and again in your browser, so an older copy of a page still hides rates that have aged out. Separately, a stale-data notice appears when a pull fails or a source misses its usual schedule.

Rate wording

• Savings and CD figures are annual percentage yields (APY), with the date they are accurate as of. They are averages, not offers; any specific account can require a minimum deposit or balance, fees can reduce earnings, and CDs carry a term and an early-withdrawal penalty.
• Credit card figures are Federal Reserve averages, not the terms of any card. A card's APR, fees and any introductory rate are on the issuer's terms table. We don't host card applications.
• Treasury bill rates are the high (stop-out) rates set at auction. Treasury data is a public government work; its use here does not imply any endorsement by the Treasury.

Prediction-market odds

• We show odds as a price per $1 contract (in cents) or as a percentage, with the venue's name and the time we pulled it. We don't use American odds.
• The live Fed-decision odds on this site come from the public market-data API of Polymarket US (QCX LLC, a CFTC-designated contract market), and link to polymarket.us. When an article cites a Kalshi price, it is quoted with its time in the article itself.
• Odds are market prices, not forecasts by The Overnight Rate, and nothing here is a recommendation to trade.

Nobody pays for placement

No bank, card issuer, broker or prediction-market venue pays us, and none can pay to appear, to rank higher or to change a number. Our pages have no affiliate or sponsored links today. If that changes, we will label paid links next to the link and explain it on our disclosure page before they go live.

Corrections

If a number is wrong, tell us through the contact page. We fix it on the page and note the change.