FED WATCH

Treasury Yield & Consumer Debt Simulator

Market Alert: 10-year Treasury note yield rose to 5.00% multiyear high ahead of the Federal Reserve rate decision, exerting upward pressure on credit card APRs, auto financing, and mortgages.
Benchmark Status: 5% Multiyear High
30-Year Mortgage Rate
7.42%
$2,773 / mo ($400k)
New Auto Loan APR
8.15%
$509 / mo ($25k 5y)
Credit Card Avg APR
22.99%
$125 / mo int. ($6.5k)
Total Monthly Consumer Burden
$3,407
Delta vs 3.5% baseline: +$468
Macro Scenario Engine
5.00%
3.0% (Low) 5.0% (CNBC Benchmark) 6.0% (Extreme)
Fed Decision Outcome Presets

Adjust Household Debt Balance
Mortgage Principal ($)
Auto Loan Balance ($)
Revolving Credit Card ($)
Impact brief exported successfully!
Yield Sensitivity Curve & Spread Transmission D3 Real-time Model
Monthly Cost Impact Comparison
Debt Vehicle Current APR / Rate Simulated Monthly Payment Baseline (3.5% Benchmark) Monthly Delta
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