Treasury data as of November 6, 2026

Today’s rates, and what they mean for your offer

Official U.S. Treasury yields, updated from treasury.gov, next to the range buyers typically use for structured settlement offers. Enter your offer’s rate to see how it compares.

Med F., Settlement AnalystUpdated October 29, 2026

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10-year Treasury, last 90 trading days

1-year Treasury

4.33%

5-year Treasury

4.64%

10-year Treasury

4.86%

30-year Treasury

5.26%

10-year down 0.42 points in a month, +0.67 over a year.

Your offer's discount rate

Don't know it? The offer analyzer works it out for you.

Your result

A 12.0% offer is fair, negotiate

Your rate

12.0%

Grade C

10-year Treasury

4.86%

November 6, 2026

Above Treasuries

7.1 pts

the buyer's margin and risk premium

Typical buyer offers run from about 9% (strong) to 18% (walk away). Analyze your offer to see the dollars behind the rate.

Treasury yields: U.S. Department of the Treasury . Buyer rate bands are illustrative, not quotes.

See what buyers would offer today

Written quotes from several buyers, with the rate and every fee shown.

Payments remaining (approx.)

When do you need cash?

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Quick answer

What discount rate do structured settlement buyers use today?

Most buyer offers fall between roughly 9% and 18% a year. That’s well above U.S. Treasury yields (the 10-year was 4.86% on November 6, 2026), because it covers the buyer’s funding costs, legal and court costs, risk and profit.

Your rate depends far more on competition than on the market: getting three or more written quotes typically does more for your payout than waiting for yields to move.

FAQ

Frequently asked questions

What are structured settlement discount rates right now?

Buyer offers commonly fall between about 9% and 18% a year. Where yours lands depends on the size of the payments, how far away they are, whether they're guaranteed, the insurer behind them and how many buyers compete for them. Treasury yields set the floor that buyers' own funding costs start from.

Why do Treasury yields matter for my settlement?

Buyers fund purchases through capital markets that price off Treasury yields. When long-term yields rise, buyers' funding costs rise and offers tend to get less generous. When yields fall, there's room for better offers. It's a broad link, not a formula.

Where does this data come from?

The Treasury yields come directly from the U.S. Department of the Treasury's daily par yield curve and refresh several times a day. The 9% to 18% buyer range is an illustrative market band, not a quote from any company.

Is now a good time to sell?

Timing the market rarely matters as much as getting competing quotes. A few points of difference between buyers is worth far more than small moves in Treasury yields. Sell when you have a real need, and compare at least three written offers.

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This tool gives educational estimates only. It is not a quote, a guarantee, or legal, tax or financial advice. Actual offers depend on your payment schedule, the annuity issuer, the buyer and your state's court. Talk to a qualified financial advisor and, where your state requires it, an independent professional before you sell.