The Overnight RateWho pays, who gets paid, what it costs you
The Overnight Rate
Where the money went while you slept.
The S&P 500 fell 4.4% to 7,353.73 on Thursday and the Philadelphia Semiconductor Index fell 12.3%. Third-quarter nonfarm productivity rose 3.6% annualized and unit labor costs fell 0.7%; labor's share of output was 53.0%, a series low. Freddie Mac's 30-year fixed average fell 6 basis points to 7.18%, the third weekly decline in a row.
Money pages
- Savings and CD rates today The average savings and CD rates next to what a 3-month bill pays, in dollars.
- Treasury bills Latest auction results, what's coming up, and the two ways to buy.
- Credit card rates The Fed's average card APR, the prime rate, and what a Fed move does to a balance.
- T-bill vs. savings calculator Your after-tax return on each, with the state tax break counted.
Previous issues
- Crude drops 8%, but diesel buyers still pay last week's price
Issue 042 · NOV 05, 2026
- Meta pays nearly double April's spread on $15 billion of bonds, and AMD turns $13.4 billion of sales into $554 million of cash
Issue 041 · NOV 04, 2026
- Oracle's longest notes pay 8.65%, and Apple's memory bill keeps rising
Issue 040 · NOV 03, 2026
New issue every weekday morning.