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Financial Pulse — Week of March 21, 2026

Financial Pulse — Week of March 21, 2026

Rates Tick Up This Week — Here's the Impact

Your weekly snapshot of the rates, trends, and moves that matter. Data sourced from the Federal Reserve (FRED).

This Week's Impact

On a $417,000 home with 20% down, today's 30-year rate of 6.22% means a monthly P&I payment of $2,048 — that's $24 more than last week.

▍Borrowing Rates

Rate	Current	Change
30-Year Fixed Mortgage	6.22%	↑ 0.11pp	Calculate →
15-Year Fixed Mortgage	5.54%	↓ 0.06pp	Calculate →
FHA Loan	5.92%	↓ 0.06pp	Calculate →
Credit Card APR	21.51%	↓ 0.25pp	Calculate →
Personal Loan	12.35%	↓ 0.15pp	Calculate →
Auto Loan (new, 60mo)	5.94%	↓ 0.08pp	Calculate →

▍Saving & Economy

Rate	Current	Change
High-Yield Savings (APY)	4.50%	↑ 0.10pp	Calculate →
1-Year CD	4.65%	→ unchanged	Calculate →
Fed Funds Rate	3.64%	↓ 0.11pp
10-Year Treasury	4.25%	↓ 0.05pp
Inflation (CPI)	2.70%	↓ 0.10pp	Calculate →

Yield Curve Signal

10Y-2Y spread: +0.28% — nearly flat (caution). Historically, a flat or inverted yield curve has preceded recessions. Monitor closely.

▍Your Money Move This Week

Move idle cash to a high-yield savings account — rates just climbed to 4.50% APY.

Run the numbers →

▍Featured Calculator

Home Affordability Calculator

Rising rates reduce buying power — recalculate

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▍Worth Reading

Best Debt Consolidation Loans 2026

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Mortgage Debt Retirement Investing Blog

Rates sourced from Federal Reserve FRED API. Updated March 21, 2026.

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