The 1 Year Constant Maturing Treasury (CMT) for July is 0.12%.  Many of the older Adjustable Rate Mortgages (ARMs) are tied to this rate.  The policies of the Federal Reserve continue to keep the rate near historical lows.

The 12 Month Treasury Average (12 MTA or 12 MAT) for July comes in at 0.153%, also near historical lows.