The 10-year Treasury yield climbed above 5% as surging oil prices revived inflation fears, while heavy government borrowing and expectations of tighter Federal Reserve policy added pressure. Higher Treasury yields typically push mortgage rates upward, reducing buyers’ purchasing power and increasing monthly payments — especially as 30-year mortgage rates approach 7%. Consumers may also face costlier auto and business loans, although savers could benefit from higher returns on CDs, money-market accounts, and newly issued Treasury securities. The yield on the benchmark 10-year U.S. Treasury note climbed above 5% this week, a milestone that could raise borrowing costs across the economy...