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GlossaryTTreasury Notes (T-Notes)

Treasury Notes (T-Notes)

Intermediate-term U.S. government debt securities with maturities of 2, 3, 5, 7, or 10 years, paying semiannual fixed interest.

What is Treasury Notes (T-Notes)?

Auctioned monthly, T-notes have face values starting at $100, with coupons like 4.375% for a 10-year note issued in August 2025 yielding 4.1% at auction. Outstanding volume is $18 trillion in 2025, comprising 60% of marketable Treasuries. Interest is taxable federally but exempt from state taxes.

They trade in secondary markets with yields inversely affecting prices; a 50 bps yield rise drops a 10-year note’s price by about 4%. The 10-year note yield, at 4.2% in October 2025, benchmarks mortgage rates (30-year fixed at 6.5%). During QE, the Fed held $3.5 trillion in notes.

Investors use them for duration matching; pension funds buy 7-year notes yielding 4.0% for liability hedging.

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