Daily Treasury Yield Curve
Curve date: 2026-02-05 · Source: FRED
Curve state: Normal
Key spreads
- 10Y–3M: +0.54%
- 10Y–2Y: +0.74%
- 30Y–10Y: +0.64%
- 1M–3M: +0.05%
Deposit strategy lens (credit union)
- Long-term rates exceed short-term rates → term is being rewarded.
- Selective long-term funding may reduce rollover risk if core deposits are stable.
Curve table
| Maturity | Yield (%) |
|---|
| 1 Mo | 3.72 |
| 3 Mo | 3.67 |
| 6 Mo | 3.58 |
| 1 Yr | 3.44 |
| 2 Yr | 3.47 |
| 5 Yr | 3.74 |
| 10 Yr | 4.21 |
| 30 Yr | 4.85 |