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Week of April 2, 2026
FinCalcs
Financial Pulse — Week of April 2, 2026
Mortgage Rates Jump — What It Means for Buyers
Your weekly snapshot of the rates, trends, and moves that matter. Data sourced from the Federal Reserve (FRED).
This Week's Impact
On a $405,300 home with 20% down, today's 30-year rate of 6.38% means a monthly P&I payment of $2,024 — that's $34 more than last week.
▍Borrowing Rates
| Rate | Current | Change | |
|---|---|---|---|
| 30-Year Fixed Mortgage | 6.38% | ↑ 0.16pp | Calculate → |
| 15-Year Fixed Mortgage | 5.75% | ↑ 0.21pp | Calculate → |
| FHA Loan | 6.08% | ↑ 0.16pp | Calculate → |
| Credit Card APR | 20.97% | ↓ 0.54pp | Calculate → |
| Personal Loan | 11.65% | ↓ 0.70pp | Calculate → |
| Auto Loan (new, 60mo) | 5.94% | → unchanged | Calculate → |
▍Saving & Economy
| Rate | Current | Change | |
|---|---|---|---|
| High-Yield Savings (APY) | 3.54% | ↓ 0.96pp | Calculate → |
| 1-Year CD | 3.79% | → unchanged | Calculate → |
| Fed Funds Rate | 3.64% | → unchanged | |
| 10-Year Treasury | 4.25% | → unchanged | |
| Inflation (CPI) | 2.70% | → unchanged | Calculate → |
Yield Curve Signal
10Y-2Y spread: +0.54% — normal. The spread suggests normal economic expectations.
▍Your Money Move This Week
Review your 401(k) contribution — even 1% more now compounds dramatically over decades. Are you capturing your full employer match?
Run the numbers →▍Featured Calculator
Home Affordability Calculator
Rising rates reduce buying power — recalculate
Try it free →
▍Worth Reading
Best Debt Consolidation Loans 2026
Read now →
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Rates sourced from Federal Reserve FRED API. Updated April 2, 2026.
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