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Auto Finance Rate Trackers

Rate Trackers

The benchmark rates behind auto lending — the policy rate, the 2-year Treasury that anchors ABS pricing, and what new-car buyers are paying at finance companies and banks.

Fed Funds Rate
3.75%
High 4.83% Low 3.63%
FRED · FEDFUNDS · Data through September 2026
Expected early October 2026
2-Yr Treasury Yield
4.77%
High 4.81% Low 3.42%
FRED · DGS2 · Oct 15, 2026
Expected Oct 16, 2026
New Auto APR — Finance Co. (Wtd. Avg)
6.31%
High 6.61% Low 6.04%
FRED · RIELPCFANNM · Data through June 2026
Expected November 2026
New Auto APR — Banks (48-Mo)
7.47%
High 8.12% Low 7.37%
FRED · TERMCBAUTO48NS · Data through August 2026
Expected January 2027

See how these rates flow through to lender funding costs on the Cost of Funds page.

Sources: all four series come from the Federal Reserve Bank of St. Louis (FRED). Fed Funds (FEDFUNDS) is the monthly effective federal funds rate. 2-Yr Treasury (DGS2) is the constant-maturity yield, sampled weekly. New Auto APR — Finance Co. (RIELPCFANNM) and New Auto APR — Banks (48-mo) (TERMCBAUTO48NS) come from the Fed's G.19 consumer credit release and publish with a lag. Each chart marks the high and low of its visible history.