Rate benchmarks
Current financing rates
Partner-network and national-average estimates across business financing, mortgages, and savings. Last reviewed September 4, 2026.
Live national benchmarks
Federal Reserve + FDIC · as of 2026-09-10Consumer 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 partner-network tables below are separate estimates. None is a quote.
Business financing
Est. APR · partner networkSee real business financing offers, not just benchmarks
These are partner-network estimates. One application shows what you actually qualify for.
See my financing options →Mortgages
National average · 30-yrSavings & personal
APY · top of marketNeed a personal loan instead of tapping savings?
One application — we route you to the partner most likely to fit.
See my personal loan options →Prime and Treasury benchmarks are pulled from the Federal Reserve's FRED API on the live site. Partner-network and national-average product rates last reviewed September 4, 2026. 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) rate above isn't a fixed number
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.