Key Investor Indicators
Interest Rates
Fed Funds Rate (Upper Bound) (USA)
4.25%
As of 2025-09-29
The upper bound of the Federal Reserve’s target range for the federal funds rate. It signals the Fed’s monetary policy stance, impacting borrowing costs and equity valuations.
Sets the upper target for Fed’s key rate. Higher rates tighten credit, pressuring stock prices.Effective Fed Funds Rate (USA)
4.33%
As of 2025-08-01
The actual interest rate at which banks lend overnight funds, within the Fed’s target range. It affects borrowing costs, corporate profits, and stock valuations.
Actual market rate for overnight lending. Influences corporate costs and stock markets.10-Year Treasury Constant Maturity Rate (USA)
4.26%
As of 2025-08-01
The yield on U.S. Treasury securities with a 10-year maturity. It’s a key benchmark for mortgage rates, corporate bonds, and stock valuation models, reflecting inflation and growth expectations.
Benchmark for long-term rates. Higher yields reduce stock valuations by increasing borrowing costs.20-Year Treasury Yield (USA)
4.85%
As of 2025-08-01
The yield on U.S. Treasury securities with a 20-year maturity. It reflects long-term investor expectations for inflation and economic growth, influencing stock and bond markets.
Long-term risk-free rate. Higher yields increase borrowing costs, pressuring equity valuations.30-Year Treasury Yield (USA)
4.87%
As of 2025-08-01
The yield on U.S. Treasury securities with a 30-year maturity. It indicates ultra-long-term economic expectations, affecting mortgage rates and equity market dynamics.
Ultra-long-term rate. Higher yields signal inflation expectations, impacting stock valuations.Policy Interest Rate (Overnight Rate) (Canada)
2.42%
As of 2025-09-01
The target rate set by the Bank of Canada for overnight lending between banks. It drives borrowing costs and economic activity in Canada.
BoC’s key rate influencing Canadian borrowing costs. Higher rates may pressure Canadian equities.Bank Rate (Canada)
2.75%
As of 2025-09-01
The rate at which the Bank of Canada lends to commercial banks, typically 0.25% above the Policy Interest Rate. It influences credit conditions.
BoC’s lending rate to banks. Impacts Canadian stock market liquidity and borrowing costs.Money Supply
M1 Money Stock (USA)
18,898.90 Billion USD
As of 2025-08-01
The total amount of liquid money (cash, checking accounts) in the U.S. economy. It indicates monetary liquidity, which can drive inflation and influence stock market trends.
Liquid money growth can fuel inflation, impacting stock valuations. Rapid expansion may boost equities short-term.M2 Money Stock (USA)
22,195.40 Billion USD
As of 2025-08-01
A broader measure of money supply, including M1 plus savings deposits and money market funds. It helps gauge monetary expansion and inflation pressures impacting equities.
Broader money supply growth signals potential inflation, affecting Fed policy and stock markets.Banking Health
Bank Loans and Leases (USA)
13,070.85 Billion USD
As of 2025-09-17
The total value of loans and leases held by U.S. commercial banks. It reflects credit availability, which drives economic growth and bank profitability.
Strong loan growth supports economic expansion and bank stocks. Weak growth signals credit tightening, pressuring markets.Bank Reserves at Fed (USA)
2,799.72 Billion USD
As of 2020-08-01
The total reserves held by banks at the Federal Reserve. It measures banking system liquidity, influencing lending capacity and financial market stability.
High reserves indicate ample liquidity, supporting bank stability. Low reserves may signal tighter conditions, impacting financial stocks.Total Bank Deposits (USA)
18,369.23 Billion USD
As of 2025-09-17
The total deposits held in U.S. commercial banks. It indicates public confidence in the banking system and available funds for lending.
Rising deposits reflect public trust in banks, supporting financial stability and bank stocks. Declines may signal risk aversion.Credit & Debt Markets
Consumer Credit Outstanding (USA)
5,060,117.91 Billion USD
As of 2025-07-01
The total outstanding consumer credit (e.g., credit cards, auto loans) in the U.S. It reflects household borrowing and spending trends affecting consumer-driven equities.
High consumer credit supports spending but risks debt overhang, impacting retail and consumer stocks.Household Debt to GDP (USA)
68.1002432909229%
As of 2025-01-01
The ratio of U.S. household debt to GDP. It measures debt sustainability, with higher ratios indicating potential risks to consumer spending and economic growth.
High debt-to-GDP ratios signal household leverage risks, potentially reducing consumer spending and pressuring stocks.Corporate Business Debt (USA)
8,653,843.00 Billion USD
As of 2025-04-01
The total debt of U.S. nonfinancial corporate businesses. It indicates corporate leverage, affecting financial health and stock market performance.
High corporate debt increases default risk, pressuring stock prices. Low debt supports corporate stability and equity valuations.Stock Market Valuation
S&P 500 Index (USA)
6,661.21 Index
As of 2025-09-29
A market-cap-weighted index of 500 large U.S. companies. It reflects overall stock market health and investor sentiment, guiding portfolio decisions.
Tracks U.S. stock market performance. Rising index signals bullish sentiment, boosting investor confidence.NASDAQ Index (USA)
22,591.15 Index
As of 2025-09-29
A market-cap-weighted index of stocks listed on the NASDAQ, heavily weighted toward technology. It reflects tech sector performance and investor risk appetite.
Tracks U.S. tech and growth stocks. Rising index signals optimism, boosting tech sector sentiment.Dow Jones Industrial Average (USA)
46,316.07 Index
As of 2025-09-29
A price-weighted index of 30 large U.S. companies. It reflects the performance of blue-chip stocks, indicating broad market and economic health.
Tracks large-cap U.S. stocks. Rising index signals strength in blue-chip companies, supporting market confidence.Composite Indexes
St. Louis Fed Financial Stress Index (USA)
-0.59 Index
As of 2025-09-19
A measure of stress in U.S. financial markets, based on interest rates, yield spreads, and volatility. It signals risks to financial stability and stock markets.
Higher values indicate financial market stress, potentially triggering equity sell-offs. Low values support market stability.TED Spread (USA)
0.09%
As of 2022-01-21
The difference between the 3-month LIBOR and 3-month Treasury bill rates. It measures credit risk in the banking system, impacting financial market confidence.
Wider spreads indicate banking system risk, pressuring financial stocks. Narrow spreads signal stability.Commercial Paper Outstanding (USA)
1,377.54 Billion USD
As of 2025-09-24
The total value of commercial paper (short-term corporate debt) outstanding in the U.S. It indicates short-term business borrowing activity and credit market health.
Rising commercial paper reflects corporate borrowing strength, supporting equities. Declines signal tighter credit, pressuring stocks.Macro Indicators
CPI Inflation Rate (YoY) (USA)
0.00%
As of 2025-08-01
The year-over-year percentage change in the Consumer Price Index for All Urban Consumers. It measures U.S. inflation, influencing Fed policy and real stock returns.
Measures price increases. Moderate inflation supports stocks; high inflation may raise interest rates, pressuring markets.Real GDP Growth (Annualized) (USA)
3.84%
As of 2025-04-01
The annualized percentage change in inflation-adjusted U.S. economic output. It signals economic health, driving corporate revenues and stock prices.
Measures U.S. economic growth. Strong GDP boosts corporate earnings and stock prices.Consumer Sentiment Index (USA)
58.20 Index
As of 2025-08-01
A survey-based measure of consumer confidence in the U.S. economy. High sentiment boosts spending, supporting retail and tech stocks.
Reflects consumer optimism. Higher sentiment drives spending and stock market gains.U.S. vs. Canada: Key Financial Indicators
| United States | Canada | |
|---|---|---|
| Central Bank Rate (Target) | 4.25% | 2.42% |
| Central Bank Rate (Effective) | 4.33% | 2.75% |
| 10-Year Treasury Yield | 4.26% | N/A |
| Inflation Rate (YoY) | 0.00% | N/A |
Historical Trends (Past Year)
U.S. 10-Year Treasury Yield
Canada Bank Rate
U.S. CPI Inflation Rate
U.S. Consumer Sentiment
S&P 500 Index
St. Louis Fed Financial Stress Index
Additional Resources
Explore current Canadian mortgage and prime lending rates:
- CANNEX Mortgage Rates - Compare mortgage rates across Canadian lenders.
- CANNEX Bank Prime Rates - View prime lending rates from Canadian banks.