Chart LabCredit & Financial Conditions

10Y-2Y Curve

10Y-2Y Curve stands at 0.42% as of July 15, 2026, down from 0.55% a year earlier. The reading sits in the 35th percentile of its history back to 1976.

3.04%0.65%-1.73% 1976 2001 2026
10Y-2Y Curve, 1976–2026. Updated 2026-07-16.
Latest (July 15, 2026)0.42%
One year ago0.55%
10-year range-1.08% – 1.59%
Percentile vs. full history35th
History1976–2026 (12526 observations)

What it is & how to read it

The 10-year minus 2-year Treasury yield spread. Inversion (below zero) has preceded every recession of the last half-century, typically by 12-24 months, as markets price future rate cuts. Re-steepening from inversion often coincides with the downturn itself.

Related charts

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Data: download CSV (source: FRED (Federal Reserve Economic Data)).

Source: FRED (Federal Reserve Economic Data). Updated daily. Part of Cambria Chart Lab — free macro & market charts. For research and education only; not investment advice.