so you have the consumer rate which is what we can get t-bills at (which is what you linked), but the fed also loans to major banks at the prime rate and those loans are huge. like, billions dollar loans. those loans are at the prime rate and it's what i had in mind, but the treasury yield rate is what you or i can get on t-bills. i think the major fed to bank loans use t-bills (i haven't read up on this stuff in 20 years) instead of moneys, but i don't remember. what rate the majority of the debt is at, i haven't looked in a while.