The Overnight Rate · Live rates

Money tools

How we source and refresh rates

Calculators on the government's own numbers.

• T-bill vs. savings calculator

  After-tax interest on a bill (state-tax exempt) against a savings account or CD, and the break-even APY for your state.

• Treasury bills today

  Latest auction results, what is coming up, and how to buy a bill.

• Savings and CD rates today

  The national average savings and CD rates next to today's T-bill yield (FDIC savings 0.38% APY, October 2026).

• Credit card rates

  The average card APR (21.19%, Q3 2026) and what a Fed move is worth on a balance.

More live numbers on the rates hub.