“Magazyn Kieszeń (227) 08.25.2018

CENY @ 4:00 PM 08.24.2018

10 yr note:                     +4/32 (12 bp) 2.81% -1 bp
5 yr note:                        unch 2.72% unch
2 Yr note:                        unch 2.61% unch
30 yr bond:                    +15/32 (47 bp) 2.96% -2.5 bp
Libor Rates:                   1 mo 2.064%; 3 mo 2.311%;  mo 2.516%; 1 yr 2.812%  (8/23/18(
30 yr FNMA 4.0 Sept:  101.98 +4 bp (+12 bp frm 9:30)
15 yr FNMA 4.0:         102.36 7 bp (+6 bp frm 9:30)
30 yr GNMA 4.0:         102.50 +3 bp (+9 bp frm 9:30)
Dollar/Yuan:                $6.8063 -$0.0717
Dollar/Yen:                  111.18 -0.11 yen
Dollar/Euro:                $1.1626 +$0.0083
Dollar Index:               95.14 -0.51
Gold:                            $1211.50 +$17.40
Crude Oil:                   $68.61 +$0.78
DJIA:                           25,790.35 +133.37
NASDAQ:                   7945.98 +67.98
S&P 500:                   2874.69 +17.71

Poland

Name				Value				Net Change			% Change				1 Month			1 Year	Time (EDT)	2 Day
WIG20:IND WIG 20				2,312.70				-10.16			-0.44%				+0.96%			-6.43%	11:15 AM
WIG:IND WSE WIG INDEX				59,900.47				-143.98			-0.24%				+0.42%			-6.60%	11:15 AM
WIG30:IND WIG30				2,633.66				-10.14			-0.38%				+0.30%			-7.66%	11:15 AM
Currency		Value			Change				Net Change				Time (EDT)		2 Day
EUR-USD		1.1622			0.0082				+0.71%				4:59 PM
USD-JPY		111.2400			-0.0500				-0.04%				4:59 PM
GBP-USD		1.2846			0.0035				+0.27%				4:59 PM
AUD-USD		0.7329			0.0081				+1.12%				4:59 PM
USD-CAD		1.3026			-0.0056				-0.43%				4:59 PM
USD-CHF		0.9835			-0.0027				-0.27%				4:59 PM
USD-CZK	22.1590			-0.1559		-0.70%		4:59 PM
USD-SKK	25.9205			-0.1849		-0.71%		4:59 PM
USD-PLN	3.6830			-0.0341		-0.92%		4:59 PM
USD-HUF	278.4000			-2.8000		-1.00%		4:59 PM
USD-RUB	67.0325			-1.1974		-1.75%		4:58 PM

 

 

 

Today’s Rates

Best Execution	Rate	Change
30 Yr FRM	4.63%	+0.01
15 Yr FRM	4.14%	+0.01
FHA 30 Year Fixed	4.37%	+0.00
Jumbo 30 Year Fixed	4.34%	+0.00
5/1 Yr ARM	3.95%	-0.01
Current Mortgage Rates » What are best-execution rates?

Average Mortgage Rates

	Rate	Points	Change
FHFA *
15 Yr. Fixed	3.65%	1.14	+0.09
30 Yr. Fixed	4.19%	1.21	+0.02

 

MBA **
30 Yr. Fixed	4.68%	0.46	-0.01
15 Yr. Fixed	4.12%	0.51	+0.05
30 Yr. Jumbo	4.55%	0.37	+0.00
30 Yr. FHA	4.69%	0.81	-0.04
5/1 ARM	3.83%	0.68	-0.10

 

Freddie Mac **
30 Yr. Fixed	4.51%	0.50	-0.02
15 Yr. Fixed	3.98%	0.50	-0.03
1 Yr. ARM	2.68%	0.20	+0.01
5/1 Yr. ARM	3.82%	0.30	-0.05
Current Mortgage Rates » * FHFA averages are updated monthly. ** Mortgage Bankers Association (each Wednesday) and Freddie Mac (each Thursday) averages are updated weekly.

Secondary Markets

MBS	Price	Change
30YR FNMA 3.0	96.98	+0.09
30YR FNMA 3.5	99.63	+0.08
30YR GNMA 3.0	98.09	+0.08
30YR GNMA 3.5	100.53	+0.13
15YR FNMA 3.0	99.50	+0.05
15YR FNMA 2.5	97.25	+0.02

 

Treasuries	Yield	Change
2 YR	2.6244%	+0.0041
5 YR	2.7156%	-0.0086
10 YR	2.8134%	-0.0145
30 YR	2.9613%	-0.0189

 

 

Mortgage Rate Averages

• Product
• Rate
• Change
• Last Week

• 30 yr fixed mtg
• 4.41%
• —
• 4.41%

 

• 15 yr fixed mtg
• 3.77%
• 0.02
• 3.79%

• 30 yr fixed jumbo mtg
• 4.54%
• 0.02
• 4.52%

• 5/1 ARM
• 4.10%
• 0.07
• 4.03%

• 7/1 ARM
• 4.23%
• 0.06
• 4.17%

• 15 yr fixed jumbo mtg
• 4.44%
• —
• 4.44%

• 10 yr fixed mtg
• 3.70%
• 0.02
• 3.68%

• 20 yr fixed mtg
• 4.22%
• 0.01
• 4.23%

CD Rate Averages

• Product
• Rate
• Change
• Last Week

• 3 yr CD
• 2.46%
• 0.01
• 2.45%

• 6 month CD
• 1.50%
• 0.08
• 1.42%

• 1 yr CD
• 2.45%
• 0.00
• 2.45%

• 5 yr CD
• 2.79%
• 0.04
• 2.83%

• 1 yr jumbo CD
• 1.82%
• 0.02
• 1.80%

• 18 month CD
• 2.01%
• —
• 2.01%

• 3 month CD
• 0.92%
• —
• 0.92%

• 2 yr CD
• 2.68%
• 0.01
• 2.67

Credit Card Rate Averages

• Product
• Rate
• Change
• Last Week

• Low Interest Credit Cards
• 13.90%
• —
• 13.90%

• Balance Transfer Credit Cards
• 16.23%
• —
• 16.23%

• Student Credit Cards
• 16.48%
• —
• 16.48%

• Cash Back Credit Cards
• 17.33%
• —
• 17.33%

• Airline Credit Cards
• 16.93%
• —
• 16.93%

• Reward Credit Cards
• 17.11%
• —
• 17.11%

• Business Credit Cards
• 14.59%
• —
• 14.59%

• Credit Cards For Bad Credit
• 24.18%
• —
• 24.18%

Auto Loan Rate Averages

• Product
• Rate
• Change
• Last Week

• 60 month used car loan
• 4.36%
• 0.04
• 4.40%

• 48 month used car loan
• 4.48%
• 0.08
• 4.56%

• 48 month new car loan
• 4.42%
• 0.09
• 4.51%

• 36 month used car loan
• 4.43%
• 0.08
• 4.51%

• 36 month new car loan
• 4.33%
• 0.10
• 4.43%

• 60 month new car loan
• 4.53%
• 0.09
• 4.62%

• 72 month new car loan
• 4.50%
• 0.14
• 4.64%

• 60 month auto refinance
• 3.00%
• —
• 3.00%

 

 

Top of Form Week Month 1-Year 3-Year Bottom of Form
[click item to view chart]	Current		Previous		Previous
	Quote		Day		Week
	Aug 24, 2018		Aug 23, 2018		Aug 17, 2018
	Quote	% Chg	Quote	% Chg	Quote	% Chg
Macroeconomic Statistics
Jul Core US CPI Rate	2.4%	4.3%	2.3%	0.0%	2.3%	0.0%
Jun Core US PCE Idx	1.90%	0.0%	1.90%	0.0%	1.90%	0.0%
Jul Non-Farm Payroll	157,000	-36.7%	248,000	0.0%	248,000	0.0%
Mortgage Rates
30 Yr FXD avg	4.51%	-0.4%	4.53%	0.0%	4.53%	0.2%
15 Yr FXD avg	3.98%	-0.7%	4.01%	0.0%	4.01%	0.2%
Fundamentals
1 Year CMT	2.4330%	0.2%	2.4270%	-0.4%	2.4360%	1.3%
10 Year CMT	2.82%	-1.1%	2.85%	-0.3%	2.86%	-3.4%
2-Year Treasury	2.6240%	0.0%	2.6240%	0.5%	2.6120%	-2.0%
10-Year Treasury	2.8210%	-0.4%	2.8330%	-1.1%	2.8640%	-3.3%
30-Year Treasury	2.9680%	-0.6%	2.9850%	-1.1%	3.0180%	-2.4%
12 MTA	1.841%	5.5%	1.746%	0.0%	1.746%	0.0%
USD 6M LIBOR	2.5161%	0.1%	2.5125%	0.0%	2.5135%	-0.4%
USD 12M LIBOR	2.8120%	0.1%	2.8080%	-0.3%	2.8166%	0.3%
USD 1M LIBOR	2.0648%	-0.1%	2.0660%	-0.5%	2.0774%	0.4%
11th District COFI	0.934%	5.5%	0.885%	0.0%	0.885%	0.0%
Federal Funds	2.00%	0.0%	2.00%	0.0%	2.00%	0.0%
Gold, Mini $/oz	1198.50	0.2%	1196.50	0.9%	1185.75	-3.8%
Currencies
EUR/USD	1.1624	0.6%	1.1553	1.0%	1.1440	-2.6%
USD/JPY	111.2127	-0.1%	111.3596	0.8%	110.5143	-0.4%
GBP/USD	1.2838	0.2%	1.2809	0.5%	1.2742	-3.4%
USD/CAD	1.3036	-0.3%	1.3076	0.1%	1.3059	0.2%
AUD/USD	0.733084	1.1%	0.725360	-0.8%	0.731336	-2.0%
USD/CHF	0.9824	-0.4%	0.9866	-0.9%	0.9951	0.4%