market rate update
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July Market Rate Update
Treasury rates remained steady throughout June, with markets continuing to adjust to a "higher for longer" interest rate environment as the Federal Reserve remains cautious about inflation. While financing costs are still elevated compared to recent years, the current period of rate stability presents an opportunity for businesses to lock in long-term financing and gain greater certainty in cash flow, budgeting, and future planning.Read More about July Market Rate Update -
June Market Rate Update
Treasury rates remained elevated in May as persistent inflation, driven in part by energy costs, reduced expectations for near-term rate cuts and reinforced a “higher for longer” environment. While financing conditions for commercial real estate are still favorable compared to historical levels, rising yields are increasing borrowing costs and making timing, rate locks, and fixed-rate strategies more important. Despite higher rates, the current environment still supports long-term financing decisions for those seeking stability and predictability.Read More about June Market Rate Update -
May Market Rate Update
Treasury yields moved higher in April after a sharp increase in March, as inflation pressures and a “higher for longer” Fed outlook kept rate cut expectations in check. While financing conditions remain constructive, rising benchmarks make timing and rate‑lock strategies increasingly important. For small business owners, today’s environment still supports long‑term planning and predictable cash flow when rates are locked strategically.Read More about May Market Rate Update -
April Market Rate Update
U.S. Treasury yields moved higher in March 2026 as inflation proved more persistent and the Federal Reserve signaled fewer near-term rate cuts, pushing the 5-year Treasury to average about 3.92%. While commercial real estate financing remains competitive by historical standards, rising benchmarks mean loan pricing is increasingly sensitive to timing. Borrowers are placing greater value on proactive rate locks and fixed-rate strategies to manage risk and maintain budget stability in a “higher for longer” rate environment.Read More about April Market Rate Update -
March Market Rate Update
Treasury yields remained steady through February, creating a stable and supportive rate environment for commercial real estate financing as we prepare to move into early Q2. With borrowing costs still attractive and lender competition strong, businesses continue to benefit from favorable pricing, flexible loan structures, and solid opportunities for acquisitions, refinances, and portfolio adjustments.Read More about March Market Rate Update -
February Market Rate Update
January 2026 Treasury yields remained stable, with the 5‑year Treasury averaging around 3.80%, signaling a calmer and more predictable rate environment as we move into early 2026. With yields expected to stay in a narrow range, commercial real estate financing conditions remain competitive, supporting attractive pricing and continued borrower interest. Many borrowers are taking advantage of this environment by pursuing flexible loan structures while positioning for potential easing later in the year.Read More about February Market Rate Update -
January 2026 Market Rate Update
Treasury yields continued to ease in December, with the 5‑year averaging around 3.62%, reflecting a stabilizing rate environment heading into 2026. Expectations place the yield in the 3.60%–3.65% range as markets maintain a neutral outlook amid fiscal uncertainty. For commercial real estate, this easing supports competitive financing conditions, with strong deals securing rates from roughly 5.46% to 6.40%, and multifamily assets receiving the most favorable terms.Read More about January 2026 Market Rate Update -
December Market Rate Update
Treasury yields continued to ease in November, with the 5-year yield averaging 3.66%, slightly down from October’s 3.70%, signaling a stable rate environment. Looking ahead, yields are expected to remain in the 3.60%–3.75% range, supporting competitive financing conditions for commercial real estate. Multifamily properties enjoy the most favorable rates near 5.5%, while office, retail, and industrial assets typically range between 6.0% and 6.5%.Read More about December Market Rate Update -
November Market Rate Update
Each month, the IAACU Small Business Team aims to provide you with insights into current trends in commercial real estate market rates, which are influenced by movements in the U.S. Treasury yield. In October, 5-year U.S. Treasury yields continued to ease, averaging around 3.70%, signaling a stabilizing rate environment. This trend is expected to persist through year-end, supporting attractive loan rates for commercial real estate, especially for high-quality assets with strong borrower profiles.Read More about November Market Rate Update -
October Market Rate Update
Treasury yields continued their downward trend in September, creating a more favorable lending environment for commercial borrowers. With rates for owner-occupied properties remaining attractive and lenders competing for strong borrowers, now is an ideal time to secure long-term financing. However, the recent government shutdown introduces uncertainty that could impact rate stability and lending decisions heading into year-end.Read More about October Market Rate Update -
September Market Rate Update
Treasury yields continued to ease in August, setting a neutral-to-slightly lower tone for September, with the 5-year yield projected to average around 3.72%. This trend has led to more favorable commercial real estate loan rates, creating competitive financing opportunities for strong borrowers.Read More about September Market Rate Update -
August Market Rate Update
In July, the 5-year US Treasury rate showed exceptional stability, with both low volatility and lower peak levels than seen in recent months. These trends point toward a continued easing in interest rates, which could create favorable conditions for commercial real estate financing—especially for borrowers with strong credit and stabilized assets.Read More about August Market Rate Update -
July Market Rate Update
The 5-year U.S. Treasury yield has shown signs of stabilizing in July, averaging around 3.92% after a slight dip from June’s levels. This shift suggests the market is adjusting to previous rate hikes and entering a more neutral phase. As a result, commercial real estate financing conditions remain favorable, particularly for borrowers seeking to capitalize on steady rates and lender interest in well-positioned assets.Read More about July Market Rate Update -
June Market Rate Update
The 5-year U.S. Treasury yield saw a modest uptick in May, breaking a four-month decline and signaling a possible shift in momentum. Forecasts suggest the yield will gradually rise through June, influencing commercial real estate loan rates to remain competitive between 6.50% and 7.10%. We thank our business members for the overwhelming support during Small Business Month!Read More about June Market Rate Update -
May Market Rate Update
May is National Small Business Month, making it the perfect time for business owners to revisit commercial real estate financing. With the 5-year Treasury yield trending down for the third straight month, borrowers could benefit from more favorable loan pricing. To celebrate, IAA is offering limited-time rate discounts and reduced closing costs for COUNTRY agents and referred policyholder businesses.Read More about May Market Rate Update -
April Market Rate Update
This month’s Market Rate Update covers both March and the first half of April, highlighting a quiet March followed by increased volatility in early April. Despite the fluctuations, the overall trend points to gradually declining rates, with 5-year Treasury yields expected to settle below 4.00%. If this continues, commercial loan rates could follow suit—making now a great time to explore your financing options with IAA Credit Union.Read More about April Market Rate Update -
March 2025 Market Rate Update
Interest rates have declined, with the 5-year U.S. Treasury dropping below 4% due to falling consumer confidence and tariff concerns. If this trend continues, commercial real estate loan rates at IAA Credit Union could drop to 6.35%-7.15%. Reach out to us to discuss your target rate, and we’ll monitor the market to lock it in when the opportunity arises.Read More about March 2025 Market Rate Update -
February 2025 Market Rate Update
The 5-year U.S. Treasury rate saw fluctuations in January, peaking at 4.61% before settling at 4.36%. While a short-term dip may suggest relief, the overall trend remains upward, with February rates likely holding between 4.20% and 4.60%. For Business Members, IAA Credit Union offers competitive commercial real estate loan rates from 7.60% to 8.80%, providing significant savings over other lenders.Read More about February 2025 Market Rate Update -
January 2025 Market Rate Update
The 5-year U.S. Treasury rate, a key benchmark for loan pricing, reached an average of 4.24% in December—its highest since mid-2024—and could rise further in 2025 if economic conditions remain strong. Borrowers face critical decisions about refinancing, adjusting loan terms, or paying off loans amid this volatility. IAA Credit Union offers personalized support and loan structures to help businesses navigate these uncertain times.Read More about January 2025 Market Rate Update -
December 2024 Market Rate Update
Each month, the IAACU Small Business Team aims to provide you with insights into the current trends in Commercial Real Estate market rates, which are influenced by movements in the US Treasury yield. Here is our December 2024 Market Rate Update.Read More about December 2024 Market Rate Update
