Money Beast
Follow on X ↗
Menu

● Updated Oct 26, 2026Data from FRED (Fed, Treasury, EIA, Freddie Mac), BLS and CoinGeckoNo sponsored rankings

MARKETS · WHAT IT MEANS FOR YOU

The numbers that hit your wallet.

Loan rates, savings rates, gas and stocks, each with its date, source and how often it updates. Refreshed every morning; most figures lag by a day or more.

Charts:

30-year mortgage rate

7.32%+0.37 pts since Sep 22

On a $400,000 loan that is about $2,748/mo in principal and interest, vs $2,468 at last year's 6.27%.

Oct 20255.98% – 7.40%Oct 2026

Weekly average As of Oct 22, 2026 · Freddie Mac survey via FRED MORTGAGE30US ↗

10-year Treasury yield

5.00%−0.11 pts since Sep 23

Mortgage rates tend to move with this yield, so it is an early sign of where they are heading.

Oct 20253.97% – 5.31%Oct 2026

Daily, market close As of Oct 23, 2026 · US Treasury via FRED DGS10 ↗

Fed funds rate (effective)

3.88%+0.00 pts since Sep 23

Online savings rates usually follow it, often with a lag. The top no-strings savings rate we track is 4.4% (Pibank).

Oct 20253.62% – 4.11%Oct 2026

Daily, prior business day As of Oct 23, 2026 · Federal Reserve via FRED DFF ↗

Gas, US average (regular)

$4.28/gal−$0.04 since Sep 19

A 15-gallon fill-up is about $64, vs $46 a year ago.

Oct 2025$2.78 – $4.50Oct 2026

Weekly average As of Oct 19, 2026 · EIA via FRED GASREGW ↗

Oil (WTI crude)

$107.89/barrel+6.4% since Sep 20

+85% from a year ago. Pump prices often follow oil, usually weeks later and not one for one.

Oct 2025$57 – $113Oct 2026

Daily, published with a lag As of Oct 20, 2026 · EIA via FRED DCOILWTICO ↗

S&P 500 index

7,624−1.1% since Sep 23

+13% over a year, not counting dividends. Many 401(k) index funds track it.

Oct 20256,369 – 7,819Oct 2026

Daily close As of Oct 23, 2026 · S&P Dow Jones Indices via FRED SP500 ↗

US dollar index (vs. trade partners)

121.3+1.0% since Sep 23

A stronger dollar makes trips abroad and imports cheaper, and savings held in other currencies worth fewer dollars.

Oct 2025118 – 122Oct 2026

Daily, published weekly As of Oct 23, 2026 · Federal Reserve via FRED DTWEXBGS ↗

Bitcoin

$79,898-0.5% in 24h

Prices swing widely, and it is not insured like a bank account.

Snapshot, not live Taken Oct 26, 6:42 AM PT · CoinGecko ↗

WHAT TO WATCH

Coming up

Dates and times from the official BLS release schedule and the Federal Reserve FOMC calendar. Times are US Eastern. Checked Oct 26, 2026. Official calendars: BLS ↗ · Federal Reserve ↗

Crypto: all top 20 coins and crypto yields

CRYPTO / BY MARKET VALUE

Bitcoin alone is 59% of the $2.68T crypto market; most coins move with it.

Biggest coin$79,898Bitcoin (BTC)

-0.5% in 24h · worth $1.61T in total. Prices from CoinGecko.

CoinPrice24h move · total value
Crypto & stablecoin yields (moved from Rates)
02 / CRYPTO & STABLECOINS

Crypto & stablecoins.

Digital assets · USDC rewards & onchain lending

These are crypto rewards, not insured savings. Stablecoins can lose their peg. Custody and smart-contract risks vary by product.
PROVIDER / ASSETWHAT TO KNOW

Kraken

USDC Rewards

Not FDIC insured
Base APY2.00%Up to
Top APY4.00%Up to · Kraken+

Up to 4.00% with Kraken+; up to 2.00% without. Enable Stablecoin Rewards.

Check date not recorded · Source ↗

Details

USDC rewards are available to eligible customers in the US, Canada, Australia, and UK. No holding lockup or USDC rewards fee; Kraken+ subscription costs may apply. Rates are variable and advertised as “up to.”

Stablecoin rewards are not covered by deposit insurance.

Protection: Not covered by FDIC or other deposit insurance. Stablecoin depegging and platform custody risks apply.

Stablecoin reward rates & terms ↗

Provider rate date: 2026-10-01

Aave

USDC · Ethereum Core / Main

Not FDIC insured
Base APY3.80%Market snapshot
Top APY3.80%Variable deposit APY

Supply USDC to the Ethereum Core / Main market. Requires a compatible wallet and ETH for network fees.

Checked Oct 9, 2026 · Source ↗

Details

Deposit APY reported by Aave’s public API (the data behind Aave Pro) at 2026-10-09 14:34 UTC. This is one USDC market, not a protocol-wide rate. At this snapshot about 84% of the market’s supplied USDC was borrowed, which is what pushed the deposit rate up; it can fall quickly as borrowers repay or new deposits arrive. Rates change with market utilisation and governance parameters; other assets, networks, and markets have different yields. Network fees reduce net returns. Withdrawals depend on available liquidity and, if borrowing, collateral requirements.

Onchain lending, not a bank deposit; smart-contract and liquidity risks apply.

Protection: No FDIC deposit insurance. Smart-contract, oracle, liquidity, and stablecoin depegging risks apply. Borrowing against supplied assets also introduces liquidation risk.

USDC market & current deposit APY ↗ · How supplying works ↗ · Protocol risks ↗

Observed: 2026-10-09 14:34 UTC

Coinbase

USDC Rewards

Not FDIC insured
Base APY—Membership required
Top APY3.75%Membership rate

Coinbase One membership, starting at $4.99/month. Account and region eligibility apply.

Check date not recorded · Source ↗

Details

Publicly advertised USDC reward APY. Hold at least $1 USDC and meet trading and region eligibility. Coinbase One is required in the US; no non-member US base rate is offered. Your account shows the applicable rate, which can vary. Membership cost reduces net earnings.

USDC is a crypto asset, not an insured bank deposit.

Protection: Crypto rewards, not an insured bank deposit. Stablecoin depegging and platform custody risks apply.

USDC advertised APY ↗ · Reward eligibility ↗

No effective date published on rate page.

World economy: GDP map and investment flows

ECONOMY / GDP 2025

The US and China together make up 43% of the world economy.

Biggest economy$30.9TUnited States

26% of world GDP. IMF World Economic Outlook, October 2026.

CountryGDPShare of world
World GDP map

Loading…

Investment flows (FDI)

Loading…