Why is the 30-year Treasury yield at its highest in years?

Treasury yields now

Banks and lenders

Over the past month JPM led this group at -2.7%, while UWMC lagged at -16.7%.

No insider at these companies bought shares on the open market in the last 90 days.

Data: official daily and weekly series for prices, yields and rates, refreshed every day; stock moves from daily closes; insider trades from SEC Form 4. Live pages: JPM, BAC, SCHW, RKT, UWMC.

What would change the picture

• The 30-year Treasury yield moving above its 52-week high of 5.67% or back toward the low of 4.54%; it is 5.43% now.
• The 10-year Treasury yield (5.1%, +0.1 pts in a month): mortgage rates follow it. Each 0.25-point move changes the payment on a $400,000 loan by about $69 a month.
• Oil (WTI $101.91, +26.2% in three months): lower oil eases inflation worries, which usually pulls long yields down.
• The next Fed decision on 2026-10-28. Market odds: 85% hold, 1% cut, 14% hike.

These are the numbers and events to watch, not a forecast.

The 30-year Treasury yield today vs past years

Today's 5.43% is higher than 96% of all readings since 2001.

The 30-year Treasury yield: the last 10 years

The highest reading since 2001 was 5.92% on 2002-04-01. The current year is partial.

Questions people also ask

What was the highest the 30-year Treasury yield in the past year?

The 30-year Treasury yield ranged from 4.54% to 5.67% over the past 12 months. The latest reading is 5.43% (2026-10-15).

How much has the 30-year Treasury yield changed in a year?

The 30-year Treasury yield is +0.79 pts from a year ago, +0.34 pts over three months and +0.07 pts over the past month.

What does a higher 30-year Treasury yield mean for me?

Long yields set the tone for mortgages and other long loans: the 30-year mortgage rate is 7.4% with the 30-year Treasury at 5.43%. Savers can lock in higher yields; existing bonds lose value when yields rise.

Which related stocks did best this month?

Of the 5 companies tracked on this page, JPM did best over a month (-2.7%) and UWMC worst (-16.7%). No insider at these companies bought shares on the open market in the last 90 days.

Dates to watch

Key terms on this page

Open-market trade

A purchase or sale on the exchange at the market price, paid with the insider's own money (code P or S on Form 4), as opposed to option exercises, grants or gifts.

52-week high / low

The highest and lowest daily closing price over the past year (about 252 trading days).

WTI

West Texas Intermediate, the U.S. benchmark crude oil, priced at Cushing, Oklahoma.

Treasury yield

The annual return on U.S. government debt at the current price. Yields rise when prices fall; long-term yields set the tone for mortgages and corporate loans.

Spread (points)

The difference between two rates in percentage points: 7.4% minus 4.3% is a 3.1-point spread. 0.01 points is one basis point.

Federal funds rate

The overnight rate banks charge each other, which the Fed sets as a target range at its eight yearly meetings.

30-year fixed mortgage rate

The weekly national average rate on a 30-year fixed home loan for well-qualified borrowers. Your own rate depends on credit, down payment and points.

Where these numbers come from

• 30-year Treasury yield (%): official public data series, latest reading 2026-10-15.
• 10-year Treasury yield (%): official public data series, latest reading 2026-10-15.
• 2-year Treasury yield (%): official public data series, latest reading 2026-10-15.
• 30-year fixed mortgage rate (weekly national average, %): official public data series, latest reading 2026-10-15.
• Changes compare the latest reading with the closest reading 7, 30, 91 and 365 days earlier; the 52-week range uses every reading in the past year.
• Related stocks: daily closing prices and open-market insider trades from SEC Form 4 (last 90 days).

Every number on this page is computed from the data when the page is refreshed (usually daily); nothing is typed in by hand. This is information, not investment advice.