US Interest Rates Reference
Quick reference tool for key US interest rates (as of June 2025). Select a rate and see the monthly payment for a given loan amount.
Results
What is it?
This is a quick-reference tool showing key US benchmark interest rates as of June 2025. Select a rate to see the estimated monthly payment on a 30-year amortization and the first-year interest cost. Rates change frequently — always verify with current sources.
How to use
Enter a loan amount, then select the reference rate you want to explore. The calculator shows the monthly payment assuming a standard 30-year amortization schedule, plus the simple first-year interest cost at that rate.
Example scenario
A $300,000 mortgage at the 30-year fixed rate of 6.85% results in a monthly payment of approximately $1,966. The first-year interest cost would be about $20,550.
Pro tip
The federal funds rate influences all other rates. When the Fed lowers rates, mortgage and savings rates follow (with a lag). The spread between the 10-year Treasury and mortgage rates is typically 1.5-2.5%. Monitor the yield curve (2yr vs 10yr Treasury) for economic signals.