| 2023 Current Interest Rates | Presented By : | StockMarketResearchCenter.com | |||||||||||||||||||
| The Largest Producer of Online Investment Research | |||||||||||||||||||||
| 2023 | |||||||||||||||||||||
| Data Source : NYSE + NASDAQ + S&P + U.S. Treasury + Dow Jones + Bloomberg + Fidelity | |||||||||||||||||||||
| This Investment Research is produced to assist beginning, experienced and professional investors as well as institutions to review the current and historic perspective and returns of widely held Investments. | |||||||||||||||||||||
| A. Interest Rates Today and over the last 10 Years . . . | Average Annual Rates for last: | 2023 | |||||||||||||||||||
| Investment: | Description: | Interest Rate Paid for each Year : | Starting | Current | YTD | ||||||||||||||||
| 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 5 Yrs | 10 Yrs | Rate | Rate | Change | ||||||
| U.S. Government Securities | Fed Funds | 0.14% | 0.11% | 0.09% | 0.13% | 0.39% | 1.00% | 1.79% | 2.16% | 0.36% | 0.08% | 4.30% | 1.74% | 1.04% | 4.30% | 4.75% | 0.45% | ||||
| 3 Month T-Bills | 0.08% | 0.07% | 0.02% | 0.22% | 0.53% | 1.44% | 2.42% | 1.54% | 0.09% | 0.08% | 4.53% | 1.73% | 1.09% | 4.53% | 4.67% | 0.14% | |||||
| 6 Month T-Bills | 0.12% | 0.09% | 0.11% | 0.49% | 0.65% | 1.61% | 2.51% | 1.57% | 0.09% | 0.22% | 4.77% | 1.83% | 1.21% | 4.77% | 4.73% | -0.04% | |||||
| 1 Year T-Note | 0.18% | 0.13% | 0.12% | 0.32% | 0.61% | 1.19% | 2.33% | 2.05% | 0.37% | 0.10% | 4.03% | 1.78% | 1.13% | 4.03% | 4.36% | 0.33% | |||||
| 2 Year T-Note | 0.27% | 0.39% | 0.66% | 1.02% | 1.22% | 1.92% | 2.50% | 1.58% | 0.11% | 0.78% | 4.40% | 1.87% | 1.46% | 4.40% | 3.92% | -0.48% | |||||
| 5 Year T-Note | 0.76% | 1.17% | 1.64% | 1.53% | 1.34% | 1.91% | 2.75% | 1.95% | 0.53% | 0.86% | 3.75% | 1.97% | 1.74% | 3.75% | 3.53% | -0.22% | |||||
| 10 Year T-Note | 1.80% | 2.35% | 2.54% | 2.14% | 1.84% | 2.33% | 2.91% | 2.14% | 0.89% | 1.45% | 3.57% | 2.19% | 2.22% | 3.57% | 3.43% | -0.14% | |||||
| 30 Year T-Note | 2.92% | 3.45% | 3.34% | 2.84% | 2.60% | 2.89% | 3.11% | 2.58% | 1.56% | 2.06% | 3.57% | 2.58% | 2.80% | 3.57% | 3.63% | 0.06% | |||||
| Mortgage Market | 15 Yr Fixed Rate | 2.93% | 3.11% | 3.29% | 3.09% | 2.93% | 3.28% | 4.00% | 3.44% | 2.61% | 2.27% | 6.00% | 3.66% | 3.40% | 6.00% | 5.98% | -0.02% | ||||
| 30 Yr Fixed Rate | 3.66% | 3.98% | 4.17% | 3.85% | 3.65% | 3.99% | 4.54% | 3.94% | 3.11% | 2.96% | 6.62% | 4.23% | 4.08% | 6.62% | 6.55% | -0.07% | |||||
| Corp Bonds - 5 Year Maturity | AAA Corp Bond | 1.13% | 2.06% | 2.04% | 2.23% | 2.38% | 2.47% | 4.22% | 1.84% | 0.64% | 1.44% | 4.11% | 2.45% | 2.34% | 4.11% | 3.84% | -0.27% | ||||
| AA Corp Bond | 1.36% | 2.28% | 2.24% | 2.45% | 2.57% | 2.59% | 3.43% | 2.15% | 0.70% | 1.56% | 4.47% | 2.46% | 2.44% | 4.47% | 4.44% | -0.03% | |||||
| A Corp Bond | 1.61% | 2.43% | 2.43% | 2.67% | 2.71% | 2.74% | 3.58% | 2.23% | 0.86% | 1.77% | 4.79% | 2.65% | 2.62% | 4.79% | 7.96% | 3.17% | |||||
| BAA Corp Bond | 2.33% | 2.97% | 2.95% | 3.55% | 3.17% | 3.07% | 4.22% | 2.65% | 1.22% | 2.09% | 5.44% | 3.12% | 3.13% | 5.44% | 8.33% | 2.89% | |||||
| Corp Bonds - 10 Year Maturity | AAA Corp Bond | 2.32% | 3.67% | 2.84% | 3.00% | 3.08% | 2.96% | 4.93% | 2.33% | 1.37% | 2.05% | 4.33% | 3.00% | 3.06% | 4.33% | 4.69% | 0.36% | ||||
| AA Corp Bond | 2.54% | 3.86% | 3.11% | 3.40% | 3.29% | 3.11% | 3.67% | 2.52% | 1.49% | 2.17% | 4.68% | 2.91% | 3.13% | 4.68% | 4.45% | -0.23% | |||||
| A Corp Bond | 2.75% | 4.02% | 3.35% | 3.65% | 3.46% | 3.29% | 3.95% | 2.76% | 1.71% | 2.43% | 5.10% | 3.19% | 3.37% | 5.10% | 6.02% | 0.92% | |||||
| BAA Corp Bond | 3.65% | 4.62% | 3.87% | 4.63% | 4.21% | 3.86% | 4.93% | 3.31% | 2.48% | 2.91% | 5.95% | 3.92% | 4.08% | 5.95% | 7.32% | 1.37% | |||||
| Corp Bonds - 20 Year Maturity | AAA Corp Bond | 3.58% | 4.45% | 3.54% | 3.85% | 3.78% | 3.36% | 5.25% | 2.96% | 2.16% | 2.64% | 4.69% | 3.54% | 3.67% | 4.69% | 4.47% | -0.22% | ||||
| AA Corp Bond | 3.73% | 4.68% | 3.72% | 4.28% | 4.09% | 3.62% | 4.28% | 3.19% | 2.43% | 2.85% | 5.07% | 3.56% | 3.82% | 5.07% | 4.97% | -0.10% | |||||
| A Corp Bond | 4.08% | 4.86% | 3.91% | 4.50% | 4.26% | 3.71% | 4.44% | 3.35% | 2.58% | 2.91% | 5.26% | 3.71% | 3.98% | 5.26% | 5.82% | 0.56% | |||||
| BAA Corp Bond | 4.81% | 5.52% | 4.59% | 5.50% | 4.89% | 4.27% | 5.25% | 4.01% | 3.23% | 3.32% | 5.83% | 4.33% | 4.64% | 5.83% | 7.21% | 1.38% | |||||
| Corp Bonds - 30 Year Maturity | AAA Corp Bond | 3.58% | 4.62% | 3.68% | 4.03% | 3.85% | 3.61% | 5.33% | 3.14% | 2.65% | 3.01% | 4.77% | 3.78% | 3.87% | 4.77% | 4.45% | -0.32% | ||||
| AA Corp Bond | 3.76% | 4.74% | 3.89% | 4.38% | 4.22% | 3.67% | 4.10% | 3.35% | 2.58% | 2.69% | 4.82% | 3.51% | 3.84% | 4.82% | 5.23% | 0.41% | |||||
| A Corp Bond | 4.86% | 5.07% | 4.44% | 4.98% | 4.35% | 3.84% | 4.62% | 3.43% | 2.43% | 2.73% | 4.50% | 3.54% | 4.04% | 4.50% | 5.89% | 1.39% | |||||
| BAA Corp Bond | 6.84% | 6.73% | 6.58% | 7.92% | 4.90% | 4.29% | 5.33% | 3.80% | 3.23% | 3.28% | 5.79% | 4.29% | 5.19% | 5.79% | 6.83% | 1.04% | |||||
| Tax Free Bonds - 5 Year Maturity | AAA Muni Bond | 0.90% | 1.39% | 1.43% | 1.40% | 1.87% | 1.78% | 1.97% | 1.14% | 0.27% | 0.66% | 2.80% | 1.37% | 1.47% | 2.80% | 3.57% | 0.77% | ||||
| AA Muni Bond | 1.06% | 1.50% | 1.63% | 1.58% | 2.15% | 1.96% | 2.07% | 1.19% | 0.37% | 0.72% | 2.89% | 1.45% | 1.61% | 2.89% | 3.77% | 0.88% | |||||
| Tax Free Bonds - 10 Year Maturity | AAA Muni Bond | 2.03% | 3.13% | 2.27% | 2.24% | 2.60% | 2.18% | 2.55% | 1.75% | 1.01% | 1.28% | 3.37% | 1.99% | 2.24% | 3.37% | 3.63% | 0.26% | ||||
| AA Muni Bond | 2.12% | 3.34% | 2.47% | 2.35% | 2.80% | 2.36% | 2.67% | 1.81% | 1.10% | 1.31% | 3.47% | 2.07% | 2.37% | 3.47% | 4.09% | 0.62% | |||||
| Tax Free Bonds - 20 Year Maturity | AAA Muni Bond | 3.28% | 4.48% | 3.40% | 3.46% | 3.62% | 3.13% | 3.66% | 2.68% | 1.92% | 1.76% | 4.25% | 2.85% | 3.24% | 4.25% | 4.09% | -0.16% | ||||
| AA Muni Bond | 3.42% | 4.50% | 3.56% | 3.51% | 3.80% | 3.31% | 3.71% | 2.75% | 1.99% | 1.84% | 4.21% | 2.90% | 3.32% | 4.21% | 4.46% | 0.25% | |||||
| Tax Free Bonds - 30 Year Maturity | AAA Muni Bond | 3.87% | 4.76% | 3.76% | 3.73% | 3.83% | 3.44% | 3.74% | 3.00% | 2.26% | 2.21% | 4.53% | 3.15% | 3.53% | 4.53% | 4.07% | -0.46% | ||||
| AA Muni Bond | 3.82% | 4.92% | 3.85% | 3.88% | 3.93% | 3.54% | 3.84% | 3.27% | 2.66% | 2.14% | 4.35% | 3.25% | 3.64% | 4.35% | 4.63% | 0.28% | |||||
| Notes: "Interest Rates" used above is the Yield Rate at the end of each Year. | |||||||||||||||||||||
| Notes: If the 2023 "Current Rate" is HIGHER than the "Starting Rate", that means the price of the Security has gone down. ( YTD Change is Red ) | |||||||||||||||||||||
| B. Bank Certificates of Deposit & U.S. Government Agency Issues . . . | |||||||||||||||||||||
| Investment: | Maturity | ||||||||||||||||||||
| 3 Mo. | 6 Mo. | 9 Mo. | 1 Year | 2 Year | 3 Year | 5 Year | 10 Year | 20 Year | 30 Year | ||||||||||||
| Bank Certificate of Deposit | 5.10% | 5.15% | 5.35% | 5.30% | NA | 5.00% | 5.45% | 5.10% | NA | NA | |||||||||||
| Certificates of Deposit are federal insured savings deposits with a fixed interest rate based on the maturity date. You are required to hold the CD until maturity, however, in some situations, you may be able to withdraw by taking a reduction in the interest you receive. The federal insurance if from the FDIC with a maximum protection of up to $250,000 per account owner. Typically CDs require a minimum depost of $1,000, but some Brokers are breaking them up so that you can invest as little as $100. | |||||||||||||||||||||
| U.S. Government Agency Issue | 4.83% | 4.79% | 4.76% | 4.61% | 4.98% | 5.26% | 5.30% | 5.50% | 5.14% | 4.57% | |||||||||||
| U.S. Government Agency Issues are Government-Sponsored Entities such as the Federal Home Loan Mortgage Corp, The Federal National Mortgage Assn, the Federal Home Loan Banks and the Federal Farm Credit Banks. These Agencies are NOT backed by the U.S. Government's "Full Faith and Credit". However, because of their role in the U.S. Economy, there may be a case where the U.S. Government would step in to help pay off their Issues if needed, but this is NOT guaranteed. | |||||||||||||||||||||
| C. Government National Mortgage Association . . . | |||||||||||||||||||||
| Investment: | Rate | Price | Yield | Rate | Price | Yield | Rate | Price | Yield | Rate | Price | Yield | Rate | Price | Yield | ||||||
| GNMA With 30 Year Maturity | 4.00% 96.52 4.20% | 4.50% 98.59 4.59% | 5.00% 100.27 4.98% | 5.50% 101.14 5.42% | 6.00% 101.73 5.88% | ||||||||||||||||
| The Government National Mortgage Association is a government owned corporation that guarantees securities backed by single family and multifamily loans insured by government agencies including the FHA, Dept of Housing and Urban Development, Dept of Agriculture's Rural Development and others. GNMA does not issue the mortgages, it only guarantees them with the "Full Faith and Credit" of the United States Government. The loans are issued by mortgage companies, commercial banks and thrifts. The GNMA's listed here have 30 year maturites, a fixed interest rate, a current price and a yield based on the current price. As example, you can see a GNMA with a 4.00% interest rate is currently priced at 94.63 which yields the buyer a 4.32% yield. GNMA's pay the buyer a monthly payment of both interest and principal just like a normal mortgage loan works until it is completely paid off. Minimum denomination of GNMA's is usually $25,000 however, some brokers are spliting them into smaller amounts. The Prices and Yields above are subject to change and are NOT an offer to buy or sell any GNMAs or any Securities. | |||||||||||||||||||||
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| "2023 Current Interest Rates" & "StockMarketResearchCenter.com" are NOT brokers, banks or financial institutions and do not buy or sell securities. All the data used herein to calculate returns is obtained from recognized sources but have not been verified by us and cannot be guaranteed to be accurate or complete. This investment research is NOT an offer to buy or sell any securities and any data herein cannot be considered a recommendation to buy or sell any security. Always consult an investment professional before making any investment decisions. | |||||||||||||||||||||