OPEN DATA · THE FEEDS BEHIND THE WATCH BOARD
StandWatch data: the rate feeds, documented
Two JSON files power every rate on this site. They are public, free to cite, and updated by the same job that updates the pages. This page says what is in them, where each number comes from, and how to credit it.
21published series in latest.json, each with its source link and as-of date
The short answer: latest.json is the current reading of every series we track, with its as-of date, unit, cadence, and the primary source it was read from. rates-history.json is 5 years of daily and weekly points for the headline series. Both are published figures from FRED, Freddie Mac, Optimal Blue, the FDIC, and the Federal Reserve, not StandWatch estimates. Cite them as "StandWatch (standwatch.co), from <source>, as of <date>".
latest.json: every series, one reading
Shape: {"generated_at_utc", "entries": {key: {name, value, unit, as_of, source_url, cadence, prev_value, prev_as_of}}}. The keys are stable; new series are added, never renamed.
| Key | What it is | Cadence | Source |
|---|---|---|---|
mortgage_30y_conv | 30-yr fixed mortgage avg (Freddie Mac PMMS via FRED) | weekly (Thu) | source |
mortgage_15y_conv | 15-yr fixed mortgage avg (Freddie Mac PMMS via FRED) | weekly (Thu) | source |
va_30y_daily_index | 30-yr fixed VA mortgage index, daily lock average (Optimal Blue OBMMI via FRED) | daily (business days) | source |
ten_year_treasury | 10-year Treasury constant maturity yield (FRED) | daily (business days) | source |
conventional_30y_index | 30-yr fixed conventional conforming index, daily lock average (Optimal Blue OBMMI via FRED) | daily (business days) | source |
conventional_30y_best_tier | 30-yr conventional conforming, LTV 80 or less and FICO above 740 (Optimal Blue OBMMI via FRED) | daily (business days) | source |
conventional_30y_tough_tier | 30-yr conventional conforming, LTV above 80 and FICO below 680 (Optimal Blue OBMMI via FRED) | daily (business days) | source |
auto_loan_48m | 48-mo new-car loan avg, commercial banks (FRED) | monthly (delayed) | source |
auto_loan_weekly | 60-mo new-car loan avg, Bankrate weekly (via FRED) | weekly | source |
auto_loan_60m | 60-mo new-car loan avg, commercial banks (FRED) | quarterly | source |
auto_loan_72m | 72-mo new-car loan avg, commercial banks (FRED) | quarterly | source |
electricity_kwh_us | US avg electricity price, $/kWh (BLS via FRED) | monthly | source |
savings_national_rate | National savings account rate (FDIC, via FRED) | monthly | source |
money_market_national_rate | National money market account rate (FDIC, via FRED) | monthly | source |
cd_12m_national_rate | National 12-month CD rate (FDIC, via FRED) | monthly | source |
checking_national_rate | National interest checking rate (FDIC, via FRED) | monthly | source |
cd_6m_national_rate | National 6-month CD rate (FDIC, via FRED) | monthly | source |
cd_24m_national_rate | National 24-month CD rate (FDIC, via FRED) | monthly | source |
cd_60m_national_rate | National 60-month CD rate (FDIC, via FRED) | monthly | source |
auto_insurance_cpi | Private passenger auto insurance premiums PPI (BLS via FRED) | monthly | source |
home_insurance_cpi | Tenants' & household insurance CPI index (BLS via FRED) | monthly | source |
Generated 2026-10-25T18:33:35Z UTC by scripts/tracker.py (GitHub Actions, daily). Every value carries the as-of date of the publisher, not the fetch date.
rates-history.json: the last five years
Shape: {"generated_at_utc", "years", "series": {key: {label, unit, source, cadence, points: [[date, value], ...]}}}.
| Key | Label | Source | Cadence | Points |
|---|---|---|---|---|
va30 | VA 30-YR EST. (PMMS MINUS 0.375) | Freddie Mac PMMS via FRED | weekly (Thu) | 265 |
pmms30 | 30-YR CONVENTIONAL, FREDDIE MAC WEEKLY AVG | Freddie Mac PMMS via FRED | weekly (Thu) | 265 |
va30daily | VA 30-YR DAILY LOCK AVERAGE (OBMMI) | Optimal Blue via FRED | daily (business days) | 1261 |
treasury10 | 10-YR TREASURY YIELD | U.S. Treasury via FRED | daily (business days) | 1267 |
c30 | CONVENTIONAL 30-YR DAILY LOCK AVERAGE (OBMMI) | Optimal Blue via FRED | daily (business days) | 1261 |
c30best | CONVENTIONAL BEST TIER (LTV 80 OR LESS, FICO 740 PLUS) | Optimal Blue via FRED | daily (business days) | 1261 |
c30tough | CONVENTIONAL TOUGHEST TIER (LTV OVER 80, FICO UNDER 680) | Optimal Blue via FRED | daily (business days) | 1261 |
auto48 | AUTO 48-MO NEW-CAR AVG | Commercial bank rates via FRED | monthly (delayed) | 20 |
autoW | AUTO 60-MO NEW-CAR AVG (BANKRATE WEEKLY) | Bankrate Monitor via FRED | weekly | 265 |
savings | NATL SAVINGS AVG (FDIC) | FDIC national rates via FRED | monthly | 62 |
mm | NATL MONEY MARKET AVG (FDIC) | FDIC national rates via FRED | monthly | 62 |
cd12 | NATL 12-MO CD AVG (FDIC) | FDIC national rates via FRED | monthly | 62 |
insuranceYoY | AUTO INSURANCE PREMIUMS · YOY CHANGE (BLS PPI) | BLS PPI via FRED | monthly | 61 |
How to use it
- Attribution. Name StandWatch and the underlying publisher, and keep the as-of date with the number. A rate without its date is a wrong rate within a week.
- Rate of use. The files are cached at the edge for an hour. One fetch an hour per series is plenty; the sources update daily at most.
- What it is not. Not a quote, not advice, not a lender rate sheet. The VA daily index is an average of locked rates across the market; the rate a person gets depends on the lender, the points, and the file.
- Changes. A series that stops updating keeps its last as-of date rather than a stale value dressed as fresh. If a key ever changes, the old key stays for 90 days.
The pages built on these feeds: Rate Watch, Savings Watch, Auto Watch, and Reported Rates. Questions or a correction: the feedback form.
