Rate benchmarks
Current financing rates
National benchmarks from the Federal Reserve and the FDIC, the SBA's maximum 7(a) rates, and the top savings APY we track. Every figure shows its source and its own as-of date.
Live national benchmarks
Federal Reserve + FDIC · as of 2026-11-05Consumer credit
Deposits (FDIC national average)
Federal Reserve benchmarks
Mortgage (national average)
Live figures from the Federal Reserve (FRED) and FDIC national-rate data, refreshed automatically. FDIC deposit figures are national averages (not top-of-market). The tables below are built from the same feeds plus the sources named on each row. None is a quote.
SBA 7(a) maximum rates
Prime + SBA cap · by loan sizeSee real business financing offers, not just benchmarks
The rates above are the SBA's ceilings (read at sba.gov on Oct 10, 2026), not offers. Comparing options shows what lenders may actually quote for your file.
See my financing options →Mortgages
National average · Freddie Mac surveySavings
APY · issuer pages + FDICNeed a personal loan instead of tapping savings?
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See my personal loan options →Prime, Treasury and mortgage figures come from the Federal Reserve's FRED data; deposit averages come from the FDIC's monthly National Rates and Rate Caps; SBA 7(a) maximums are the prime rate plus the SBA's published caps; the top savings APY is read from each bank's own page. Each row shows the date of its own reading. We do not publish estimated rates for products without a public data source. None of these numbers is a quote — your actual offer depends on file, lender, and the day.
◆ ClearValue editorial analysis
Why the SBA 7(a) rates above are ceilings, not quotes
The SBA doesn't set 7(a) rates directly — it caps the spread a lender can add on top of the base rate, and the cap shrinks as the loan size grows. Per SBA's current lender guidance, the maximum spread is base-rate-plus-6.5% on loans of $50,000 or less, plus-6.0% from $50,001–$250,000, plus-4.5% from $250,001–$350,000, and plus-3.0% on loans over $350,000 — so a $500,000 7(a) loan is structurally capped lower than a $25,000 one, independent of what any single lender quotes.
The program itself is running at record scale: SBA guaranteed 77,600 7(a) loans and 6,750 504 loans in FY2025 (Oct 2024–Sep 2025) — 84,400 loans totaling $44.8 billion combined, the most capital the agency has delivered to small businesses in a single fiscal year.
Primary sources: SBA — 7(a) loan program lender rate spreads (sba.gov) · SBA — FY2025 record lending announcement (legacy.sba.gov)
Analysis by the ClearValue Editorial Team, applying our published scoring methodology.
This analysis combines cited public data (Federal Reserve, FDIC, FTC, CFPB, SBA/USDA, NAIC, ICI, BLS) with ClearValue's own cost math and category comparison — it is not proprietary ClearValue portfolio data. Rates, APYs, fees, and program terms move; figures carry an as-of date and you should verify current numbers at the linked primary sources and with the provider before deciding. Educational information, not financial, legal, or tax advice.