Privacy policy

Last updated 1 August 2026

FedRate is operated by Sirius Holdings LLC. This policy explains what happens to data when you use fedrate.now.

What we collect directly

Nothing. There are no accounts, no sign-up, no newsletter and no forms. The figures you type into the mortgage calculator are used by your browser to compute a payment and are never transmitted to us or stored anywhere — they exist only in the page you are looking at and disappear when you close it.

Server logs

Our web server records standard request logs: IP address, timestamp, the page requested, the referring page and your browser's user-agent string. These are used to operate and secure the site — diagnosing errors and identifying abuse — and are not used to build a profile of you or combined with advertising data.

Advertising and cookies

This site displays advertising through Google AdSense. Google and its partners use cookies and similar technologies to serve ads, and may use them to personalise the ads you see based on your prior visits to this and other websites. Google's use of advertising cookies enables it and its partners to serve ads based on your visit to this and other sites.

You can opt out of personalised advertising by visiting Google Ads Settings. For third-party vendors and networks more generally, see aboutads.info/choices and how Google uses data from sites that use its services.

This site does not currently show a cookie consent prompt, so the advertising cookies described above may be set when a page loads. The opt-out links above work regardless of that, as do your browser's own cookie controls. If we add a consent prompt, this policy will be updated to describe it.

Rate data

Interest rate figures come from the Federal Reserve Bank of St. Louis (FRED). Our server fetches them on a schedule and caches them; your browser requests them from us, not from FRED, so visiting this site does not expose you to the St. Louis Fed.

Your rights

Because we hold no account data, there is generally nothing for us to export or delete on request. Where you are covered by the GDPR, the UK GDPR or the CCPA, you retain your rights of access, rectification, erasure and objection in respect of any personal data we do hold — in practice, server logs. Write to us and we will act on it.

Changes

If this policy changes materially, the date above will change with it. Continued use of the site after an update means you accept the revised policy.

Contact

Questions about this policy can be sent to the address on our contact page.

This site does not provide financial advice. The calculators are simulations. None of it is a quote: the rate you are offered depends on your credit, lender, location and loan type. Payment figures assume a fixed rate held to payoff and exclude points, lender fees and any costs you have not entered yourself. Confirm every number with a qualified lender or adviser before acting on it.

Data sources. Federal funds effective rate: Board of Governors of the Federal Reserve System (US), H.15 Selected Interest Rates [DFF]. 30- and 15-year fixed mortgage averages: Freddie Mac, Primary Mortgage Market Survey® [MORTGAGE30US, MORTGAGE15US]. All series retrieved from FRED®, Federal Reserve Bank of St. Louis.

Primary Mortgage Market Survey® data are provided "as is" by Freddie Mac®, with no warranties of any kind, express or implied, including but not limited to warranties of accuracy or implied warranties of merchantability or fitness for a particular purpose. Use of the data is at the user's sole risk. In no event will Freddie Mac be liable for any damages arising out of or related to the data. Copyright, 2016, Freddie Mac.

FedRate is an independent site and is not affiliated with, endorsed by, or connected to Freddie Mac, the Federal Reserve, or the Federal Reserve Bank of St. Louis. None of them endorses this site or its calculations.

© 2026 Sirius Holdings LLC