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Do you know What to do when mortgage rates are rising? Check out our tips and tweaks to secure a lower mortgage rate.

Do you know What to do when mortgage rates are rising? Check out our tips and tweaks to secure a lower mortgage rate.

ARM Indexes: Weekly Treasury Securities / Constant Maturities

Treasury Securities ("T-Secs", also known as TCM, or CMT, or CMT, or T-Sec) values are calculated by the Treasury Department and reported by the Federal Reserve in Publication H.15.  On this page, you will find current and historical weekly yields for 3 month, 6 month Treasuries, as well as values for 1-, 2-, 3-, 5-, 7-, 10-, 20-, and 30 year treasuries.

The official name of this index is "Yield on U.S. Treasury Security Adjusted to a Constant Maturity of One Year" (or 6 months, or 2 years, etc.). Confusion can arise when lenders use the term "One Year Treasury Bill"; the 52-week bill is a completely different index, and rarely used on ARMs. To be certain, check your mortgage contract for the specific language.

Treasuries have both monthly and weekly values; for ARMs, the weekly value is most often used. Since it's often paired with ARMs that have annual rate adjustments, the most common version used is the One Year Treasury Security. Most frequently, your new interest rate will be determined by the index value 30 to 45 days before your next scheduled rate change; check your mortgage Note or Adjustable Rate Rider for details. A margin is added to this index by the lender when your ARM's rate is adjusted.

You can compute your new mortgage rate as soon as the relevant index value is released; see our ARM Check Kit for complete instructions and worksheets. Need monthly treasury index values instead?

L O A D I N G

ARM Indexes: Weekly Treasury Securities / Constant Maturities from January 2021 to January 2022

Date 3-Month TCM 6-Month TCM 1-Year TCM
Jan-21-2022 0.17000 0.36000 0.58000
Jan-14-2022 0.12000 0.28000 0.48000
Jan-07-2022 0.09000 0.23000 0.41000
Dec-31-2021 0.06000 0.20000 0.37000
Dec-24-2021 0.07000 0.17000 0.29000
Dec-17-2021 0.05000 0.13000 0.27000
Dec-10-2021 0.06000 0.13000 0.29000
Dec-03-2021 0.06000 0.10000 0.25000
Nov-26-2021 0.06000 0.09000 0.21000
Nov-19-2021 0.05000 0.06000 0.18000
Nov-12-2021 0.05000 0.07000 0.16000
Nov-05-2021 0.05000 0.07000 0.15000
Oct-29-2021 0.06000 0.06000 0.14000
Oct-22-2021 0.06000 0.06000 0.11000
Oct-15-2021 0.05000 0.06000 0.11000
Oct-08-2021 0.04000 0.05000 0.09000
Oct-01-2021 0.04000 0.05000 0.09000
Sep-24-2021 0.03000 0.05000 0.08000
Sep-17-2021 0.04000 0.05000 0.07000
Sep-10-2021 0.05000 0.06000 0.08000
Sep-03-2021 0.05000 0.06000 0.07000
Aug-27-2021 0.05000 0.06000 0.07000
Aug-20-2021 0.06000 0.05000 0.07000
Aug-13-2021 0.06000 0.06000 0.08000
Aug-06-2021 0.05000 0.06000 0.08000
Jul-30-2021 0.05000 0.05000 0.07000
Jul-23-2021 0.05000 0.05000 0.07000
Jul-16-2021 0.05000 0.05000 0.08000
Jul-09-2021 0.06000 0.06000 0.08000
Jul-02-2021 0.05000 0.06000 0.08000
Jun-25-2021 0.05000 0.06000 0.09000
Jun-18-2021 0.04000 0.06000 0.08000
Jun-11-2021 0.03000 0.04000 0.05000
Jun-04-2021 0.02000 0.04000 0.05000
May-28-2021 0.02000 0.04000 0.04000
May-21-2021 0.01000 0.03000 0.05000
May-14-2021 0.02000 0.04000 0.05000
May-07-2021 0.02000 0.04000 0.06000
Apr-30-2021 0.01000 0.04000 0.05000
Apr-23-2021 0.03000 0.04000 0.07000
Apr-16-2021 0.02000 0.04000 0.06000
Apr-09-2021 0.02000 0.04000 0.06000
Apr-02-2021 0.02000 0.04000 0.06000
Mar-26-2021 0.02000 0.04000 0.07000
Mar-19-2021 0.02000 0.05000 0.07000
Mar-12-2021 0.04000 0.06000 0.09000
Mar-05-2021 0.04000 0.07000 0.08000
Feb-26-2021 0.04000 0.05000 0.08000
Feb-19-2021 0.04000 0.06000 0.07000
Feb-12-2021 0.05000 0.06000 0.07000
Feb-05-2021 0.05000 0.07000 0.07000
Jan-29-2021 0.07000 0.08000 0.09000
Jan-22-2021 0.09000 0.10000 0.10000

3-Month TCM
6-Month TCM
1-Year TCM

More ARM Indexes & Info

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