Curve Status: The yield curve is currently normal (upward sloping), meaning long-term rates are higher than short-term rates. This typically signals an expanding economy.
Compare the current treasury rates across all maturities with historical data from 1 year and 2 years ago.
| Maturity | Current (01/30/2026) | 1 Year Ago (01/31/2025) | 2 Years Ago (01/31/2024) |
|---|---|---|---|
| 1 Mo | 3.72% | 4.37% | 5.53% |
| 2 Mo | 3.75% | 4.37% | 5.46% |
| 3 Mo | 3.67% | 4.31% | 5.42% |
| 4 Mo | 3.69% | 4.33% | 5.40% |
| 6 Mo | 3.61% | 4.28% | 5.18% |
| 1 Yr | 3.48% | 4.17% | 4.73% |
| 2 Yr | 3.52% | 4.22% | 4.27% |
| 3 Yr | 3.60% | 4.27% | 4.05% |
| 5 Yr | 3.79% | 4.36% | 3.91% |
| 7 Yr | 4.01% | 4.47% | 3.95% |
| 10 Yr | 4.26% | 4.58% | 3.99% |
| 20 Yr | 4.82% | 4.88% | 4.34% |
| 30 Yr | 4.87% | 4.83% | 4.22% |
The US Treasury Yield Curve plots the interest rates of government bonds across different maturities, from 1 month to 30 years. Data is sourced directly from the U.S. Department of the Treasury.
Yield Curve Inversion 2026: Historically, a normal yield curve slopes upward, compensating investors for the risk of tying up their money for longer periods. When the curve inverts (short-term rates exceed long-term rates, typically measured by the 2-year and 10-year spread), it indicates that bond investors expect interest rates to fall in the future, often as a result of central bank intervention to combat a slowing economy or recession.
The yield curve in 2026 provides critical signals about economic health. An inverted curve, where short-term rates exceed long-term rates, often signals a potential recession, while a normal curve points to economic expansion. You can observe the current shape on our interactive chart to see its current state.
You can check the treasury yield curve today by reviewing our live-updated chart that pulls the latest data directly from the U.S. Department of the Treasury. The chart maps out yields from 1-month bills up to 30-year bonds.
To determine if there is a yield curve inversion in 2026, you look at the spread between the 2-year and 10-year Treasury notes. If the 2-year yield is higher than the 10-year yield, the curve is considered inverted.
Current treasury rates vary across the maturity spectrum. Short-term rates (like 1-month or 6-month) reflect near-term monetary policy, while long-term rates (like 10-year or 30-year) reflect long-term growth and inflation expectations. Check our data table for the exact latest percentages.
The 2-year/10-year spread is the most closely watched part of the yield curve. A negative spread (inversion) has historically been one of the most reliable leading indicators of an impending economic recession.
Westmount Fundamentals. "Treasury Yield Curve 2026: Current Rates and Inversion An...." westmountfundamentals.com/bond-yield-curve-2026, 2026.