Archie Chang
Last reviewed: July 14, 2026
Builder and Maintainer of FedRateCalc
Archie Chang is a full-stack engineer and independent developer. He builds and maintains FedRateCalc through Archie Design App LLC, including the calculation code, tests, source links, and rate-data updates.
His role here is technical and editorial: implement calculations from documented formulas, test known scenarios, verify reference data against primary sources, and correct errors when they are found. He is not a financial advisor, mortgage broker, or student-loan counselor. FedRateCalc does not provide personalized financial advice.
What He Checks
- Calculator logic against known amortization and APY examples.
- Federal funds decisions and meeting dates against Federal Reserve releases.
- Mortgage rate snapshots against Freddie Mac PMMS data.
- Federal Direct Loan rates against Federal Student Aid announcements.
- CD benchmark labels and dates against FDIC national-rate tables.
The exact formulas, source pages, update cadence, and limitations are documented on the Methodology & Sources page.