What this tracks
Where interest rates sit and where they're heading — for mortgages, auto loans, credit cards, and savings accounts.
Why it matters to you
Rates set what you pay to borrow and what you earn to save. Knowing the environment tells you when to lock a rate, when to pay down debt faster, and where to park your cushion.
For example
When savings rates are high, a member can move an idle emergency fund into a high-yield account and earn real money on cash that was sitting still.
Average 30-year fixed mortgage rate, by year
The rate environment quietly decides what a home — or any loan — really costs you.
| Point | Value |
|---|---|
| 2020 | 3.1% |
| 2021 | 3% |
| 2022 | 5.3% |
| 2023 | 6.8% |
| 2024 | 6.7% |
Representative annual averages, rounded.
Build on it
Turn this into action with the related bricks:
- Debt ManagementOwe less. Keep more.
- Banking & SavingsMake your money work while it waits.
- Home Ownership & Real EstateThe biggest wealth move. Do it right.
See where you stand
MoneyStats gives Brix the economic picture. Your BrickScore shows where your own foundation is solid and where it’s cracked — free, in minutes.
Take your free BrickScoreMoneyStats is economic education and context — not personalized legal, tax, or investment advice.