We have compiled a list of what the rates have done for the past 10 years. You can see the fluctuation in the rates throughout the years and this is why it is important for you to lock your rates in at the correct time. It is not possible to predict what the rates will be in the long term, but it is possible to look at various indicators to help determine what they may do in the short term. Even with these indicators, it is not possible to predict which way the rates will go with 100% accuracy.
|
Year |
Month |
30 Year Bond |
1 Month LIBOR |
3 Month Bill |
5 Year Note |
| 2002 | Jan | 5.5% | 1.8% | 1.6% | 4.3% |
| 2001 | Dec | 5.5% | 2.0% | 1.7% | 4.4% |
| 2001 | Nov | 5.1% | 2.1% | 1.9% | 4.0% |
| 2001 | Oct | 5.4% | 2.5% | 2.2% | 3.9% |
| 2001 | Sep | 5.5% | 3.1% | 2.7% | 4.1% |
| 2001 | Aug | 5.5% | 3.6% | 3.4% | 4.6% |
| 2001 | Jul | 5.6% | 3.8% | 3.5% | 4.8% |
| 2001 | Jun | 5.7% | 3.9% | 3.5% | 4.8% |
| 2001 | May | 5.8% | 4.2% | 3.6% | 4.9% |
| 2001 | Apr | 5.6% | 4.8% | 3.9% | 4.8% |
| 2001 | Mar | 5.3% | 5.1% | 4.5% | 4.7% |
| 2001 | Feb | 5.5% | 5.5% | 4.9% | 4.9% |
| 2001 | Jan | 5.5% | 5.9% | 5.2% | 4.8% |
| 2000 | Dec | 5.5% | 6.7% | 5.8% | 5.2% |
| 2000 | Nov | 5.8% | 6.6% | 6.2% | 5.7% |
| 2000 | Oct | 5.8% | 6.6% | 6.1% | 5.8% |
| 2000 | Sep | 5.8% | 6.6% | 6.0% | 6.0% |
| 2000 | Aug | 5.7% | 6.6% | 6.1% | 6.1% |
| 2000 | Jul | 5.9% | 6.6% | 5.9% | 6.2% |
| 2000 | Jun | 5.9% | 6.7% | 5.7% | 6.3% |
| 2000 | May | 6.2% | 6.5% | 5.8% | 6.7% |
| 2000 | Apr | 5.9% | 6.2% | 5.7% | 6.3% |
| 2000 | Mar | 6.1% | 6.1% | 5.7% | 6.5% |
| 2000 | Feb | 6.3% | 5.9% | 5.5% | 6.7% |
| 2000 | Jan | 6.6% | 5.8% | 5.3% | 6.6% |
| 1999 | Dec | 6.4% | 6.4% | 5.2% | 6.2% |
| 1999 | Nov | 6.1% | 5.6% | 5.1% | 6.0% |
| 1999 | Oct | 6.2% | 5.4% | 4.8% | 6.0% |
| 1999 | Sep | 6.1% | 5.4% | 4.7% | 5.8% |
| 1999 | Aug | 6.1% | 5.3% | 4.7% | 5.8% |
| 1999 | Jul | 6.0% | 5.2% | 4.6% | 5.7% |
| 1999 | Jun | 6.0% | 5.0% | 4.6% | 5.8% |
| 1999 | May | 5.8% | 4.9% | 4.5% | 5.4% |
| 1999 | Apr | 5.6% | 4.9% | 4.3% | 5.1% |
| 1999 | Mar | 5.6% | 4.9% | 4.5% | 5.1% |
| 1999 | Feb | 5.4% | 4.9% | 4.4% | 4.9% |
| 1999 | Jan | 5.2% | 5.0% | 4.4% | 4.6% |
| 1998 | Dec | 5.1% | 5.5% | 4.4% | 4.4% |
| 1998 | Nov | 5.3% | 5.2% | 4.4% | 4.5% |
| 1998 | Oct | 5.0% | 5.3% | 4.0% | 4.2% |
| 1998 | Sep | 5.2% | 5.6% | 4.7% | 4.7% |
| 1998 | Aug | 5.6% | 5.6% | 4.9% | 5.3% |
| 1998 | Jul | 5.7% | 5.7% | 5.0% | 5.5% |
| 1998 | Jun | 5.7% | 5.7% | 5.0% | 5.5% |
| 1998 | May | 5.9% | 5.7% | 5.0% | 5.6% |
| 1998 | Apr | 5.9% | 5.7% | 5.0% | 5.6% |
| 1998 | Mar | 6.0% | 5.7% | 5.0% | 5.6% |
| 1998 | Feb | 5.9% | 5.6% | 5.1% | 5.5% |
| 1998 | Jan | 5.8% | 5.6% | 5.1% | 5.5% |
| 1997 | Dec | 6.0% | 6.0% | 5.2% | 5.8% |
| 1997 | Nov | 6.1% | 5.7% | 5.2% | 5.8% |
| 1997 | Oct | 6.3% | 5.6% | 5.0% | 5.9% |
| 1997 | Sep | 6.5% | 5.7% | 5.0% | 6.1% |
| 1997 | Aug | 6.5% | 5.6% | 5.1% | 6.1% |
| 1997 | Jul | 6.6% | 5.7% | 5.0% | 6.2% |
| 1997 | Jun | 6.8% | 5.7% | 4.9% | 6.4% |
| 1997 | May | 7.0% | 5.7% | 5.1% | 6.6% |
| 1997 | Apr | 7.1% | 5.7% | 5.2% | 6.8% |
| 1997 | Mar | 6.9% | 5.5% | 5.2% | 6.5% |
| 1997 | Feb | 6.7% | 5.4% | 5.0% | 6.2% |
| 1997 | Jan | 6.8% | 5.5% | 5.0% | 6.3% |
| 1996 | Dec | 6.6% | 5.6% | 4.9% | 6.1% |
| 1996 | Nov | 6.5% | 5.4% | 5.0% | 6.0% |
| 1996 | Oct | 6.8% | 5.4% | 5.0% | 6.3% |
| 1996 | Sep | 7.0% | 5.5% | 5.1% | 6.6% |
| 1996 | Aug | 6.9% | 5.4% | 5.1% | 6.4% |
| 1996 | Jul | 7.0% | 5.5% | 5.1% | 6.6% |
| 1996 | Jun | 7.1% | 5.5% | 5.1% | 6.7% |
| 1996 | May | 6.9% | 5.4% | 5.0% | 6.5% |
| 1996 | Apr | 6.8% | 5.5% | 5.0% | 6.3% |
| 1996 | Mar | 6.6% | 5.4% | 5.0% | 5.9% |
| 1996 | Feb | 6.2% | 5.3% | 4.8% | 5.3% |
| 1996 | Jan | 6.1% | 5.6% | 5.0% | 5.4% |
| 1995 | Dec | 6.1% | 5.9% | 5.2% | 5.5% |
| 1995 | Nov | 6.3% | 5.8% | 5.4% | 5.7% |
| 1995 | Oct | 6.4% | 5.8% | 5.3% | 5.9% |
| 1995 | Sep | 6.6% | 5.9% | 5.3% | 6.0% |
| 1995 | Aug | 6.9% | 5.9% | 5.4% | 6.3% |
| 1995 | Jul | 6.7% | 5.9% | 5.4% | 6.0% |
| 1995 | Jun | 6.6% | 6.1% | 5.5% | 5.9% |
| 1995 | May | 7.0% | 6.1% | 5.7% | 6.5% |
| 1995 | Apr | 7.4% | 6.1% | 5.7% | 6.9% |
| 1995 | Mar | 7.5% | 6.1% | 5.7% | 7.1% |
| 1995 | Feb | 7.6% | 6.1% | 5.8% | 7.4% |
| 1995 | Jan | 7.9% | 5.9% | 5.7% | 7.8% |
| 1994 | Dec | 7.9% | 6.1% | 5.6% | 7.8% |
| 1994 | Nov | 8.1% | 5.5% | 5.2% | 7.7% |
| 1994 | Oct | 7.9% | 5.1% | 4.9% | 7.4% |
| 1994 | Sep | 7.7% | 4.9% | 4.6% | 7.1% |
| 1994 | Aug | 7.5% | 4.7% | 4.5% | 6.9% |
| 1994 | Jul | 7.6% | 4.6% | 4.3% | 6.9% |
| 1994 | Jun | 7.4% | 4.4% | 4.1% | 6.7% |
| 1994 | May | 7.4% | 4.3% | 4.1% | 6.8% |
| 1994 | Apr | 7.2% | 3.8% | 3.7% | 6.5% |
| 1994 | Mar | 6.9% | 3.6% | 3.5% | 5.9% |
| 1994 | Feb | 6.5% | 3.4% | 3.2% | 5.4% |
| 1994 | Jan | 6.3% | 3.2% | 3.0% | 5.1% |
| 1993 | Dec | 6.3% | 3.3% | 3.1% | 5.1% |
| 1993 | Nov | 6.2% | 3.2% | 3.1% | 5.1% |
| 1993 | Oct | 5.9% | 3.2% | 3.0% | 4.7% |
| 1993 | Sep | 6.0% | 3.2% | 3.0% | 4.7% |
| 1993 | Aug | 6.4% | 3.2% | 3.0% | 5.1% |
| 1993 | Jul | 6.6% | 3.2% | 3.0% | 5.1% |
| 1993 | Jun | 6.8% | 3.2% | 3.1% | 5.2% |
| 1993 | May | 6.9% | 3.2% | 3.0% | 5.2% |
| 1993 | Apr | 6.9% | 3.2% | 2.9% | 5.2% |
| 1993 | Mar | 6.8% | 3.2% | 3.0% | 5.2% |
| 1993 | Feb | 7.1% | 3.2% | 2.9% | 5.4% |
| 1993 | Jan | 7.4% | 3.2% | 3.0% | 5.9% |
| 1992 | Dec | 7.5% | 3.7% | 3.2% | 6.1% |
| 1992 | Nov | 7.6% | 3.3% | 3.1% | 6.0% |
| 1992 | Oct | 7.5% | 3.2% | 2.9% | 5.6% |
| 1992 | Sep | 7.3% | 3.3% | 3.0% | 5.4% |
| 1992 | Aug | 7.4% | 3.4% | 3.1% | 5.6% |
| 1992 | Jul | 7.6% | 3.5% | 3.3% | 5.9% |
| 1992 | Jun | 7.9% | 3.9% | 3.7% | 6.5% |
| 1992 | May | 7.9% | 3.9% | 3.7% | 6.7% |
| 1992 | Apr | 7.9% | 4.1% | 3.8% | 6.8% |
| 1992 | Mar | 8.0% | 4.3% | 4.0% | 7.0% |
| 1992 | Feb | 7.9% | 4.2% | 3.9% | 6.6% |
| 1992 | Jan | 7.6% | 4.2% | 3.8% | 6.2% |
| 1991 | Dec | 7.7% | 4.9% | 4.1% | 6.2% |
| 1991 | Nov | 7.9% | 4.9% | 4.6% | 6.7% |
| 1991 | Oct | 7.9% | 5.3% | 5.0% | 6.9% |
| 1991 | Sep | 8.0% | 5.6% | 5.2% | 7.2% |
| 1991 | Aug | 8.2% | 5.8% | 5.4% | 7.5% |
| 1991 | Jul | 8.5% | 6.0% | 5.6% | 7.9% |
| 1991 | Jun | 8.5% | 6.1% | 5.6% | 7.9% |
| 1991 | May | 8.3% | 5.9% | 5.5% | 7.7% |
| 1991 | Apr | 8.2% | 6.1% | 5.7% | 7.7% |
| 1991 | Mar | 8.3% | 6.6% | 5.9% | 7.8% |
| 1991 | Feb | 8.1% | 7.0% | 6.0% | 7.5% |
| 1991 | Jan | 8.3% | 7.2% | 6.2% | 7.7% |
| 1990 | Dec | 8.2% | 7.3% | 6.7% | 7.7% |
| 1990 | Nov | 8.6% | 8.0% | 7.1% | 8.1% |
| 1990 | Oct | 8.9% | 8.1% | 7.2% | 8.3% |
| 1990 | Sep | 9.0% | 8.2% | 7.4% | 8.5% |
| 1990 | Aug | 8.8% | 8.1% | 7.5% | 8.4% |
| 1990 | Jul | 8.5% | 8.2% | 7.6% | 8.4% |
| 1990 | Jun | 8.5% | 8.3% | 7.7% | 8.5% |
| 1990 | May | 8.8% | 8.3% | 7.7% | 8.8% |
| 1990 | Apr | 8.7% | 8.5% | 7.8% | 8.8% |
| 1990 | Mar | 8.6% | 8.4% | 7.9% | 8.6% |