The Overnight Rate · Money

Money

Your cash and your debt, against today's rates. Official data, no sales pitch.

How we source and refresh rates

Pages

• Savings and CD rates today

  The national average savings and CD rates next to what a 3-month Treasury bill pays, in dollars, and why the gap exists.

  Now: National average savings 0.38% APY, 3-month bill 4.22% (Fri, Oct 23, 2026; FDIC October 2026).

• Treasury bills

  Latest bill auction results, the auctions coming up, and the two ways to buy a bill.

  Now: 13-week bill auction 4.18% investment rate (Tue, Oct 13, 2026).

• Credit card rates

  The Fed's average card APR, the prime rate, and what a Fed move does to a balance.

  Now: Average APR 21.19%, prime 7.00% (Q3 2026; prime Wed, Oct 21, 2026).

Tools

• T-bill vs. savings calculator

  Your after-tax return on a bill and a savings account side by side, with the state tax break counted.

More numbers: all live rates. How we source and refresh: methodology. No one pays to appear on these pages.