Mortgages Analyzed
Monthly Treasury Average (MTA)

Current MTA Rates

Jul Value Change Last 52 week
2018     Month High Low


1.8442   0.0975 1.7467 1.8442 0.9442
Source: Federal Reserve Bank

52 Weeks MTA Trend


MTA Rates

For the Year:  

What is Monthly Treasury Average (MTA)?

MTA Rates

Monthly Treasury Average (MTA) is the twelve month moving average of the monthly values of 1-Year Constant Maturity Treasury (1-Yr CMT) index. 1 Year CMT rate is the interpolated yield of the recently auctioned treasury securities adjusted to a constant maturity of one year. The current and historical monthly values of 1-Yr CMT index is published by the Federal Reserve on their website at H.15 Selected Interest Rate webpage. Different institutions may calculate the index themselves by averaging the monthly 1-Yr CMT rates for the preceding 12 months.

The MTA index is also known as the 12-Month Moving Average Treasury Index (12-MAT or 12MAT)

Other Names

MTA Index is also known as:

  • 12-Month Moving Treasury Average (12-MTA or 12MTA)
  • 12-Month Moving Average Treasury Index (12-MAT or 12MAT)
  • 12-Month Treasury Average Index
  • 12 Month Average Treasury Index
  • 12-Month Treasury Average
  • 1-Year MTA Index

Historical MTA Rates


Use of Monthly Treasury Average in Mortgages

MTA is used as an index for a number of adjustable rate mortgage (ARM) loans. It is most used in Payment Option ARM’s (negative amortization loans). MTA is a 12 month moving average index which smoothens out the movements in interest rates. This makes it an attractive option in the periods of frequent rate movements. It is also ideal when the interest rates are low but are expected to rise since in that case the index will lag the general movements in market interest rates.


External Links

  1. Federal Reserve, H.15 Selected Interest Rate webpage.

Updated: Jul 31, 2018


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