The U.S. bank prime loan rate has undergone significant fluctuations over the past three decades, reflecting broader economic trends and monetary policy decisions. From a high of 10.1 percent in 1990, the rate has seen periods of decline, stability, and recent increases. As of February 2025, the prime rate stood at 7.5 percent, marking a notable rise from the historic lows seen in the early 2020s. Federal Reserve's impact on lending rates The prime rate's trajectory closely mirrors changes in the federal funds rate, which serves as a key benchmark for the U.S. financial system. In 2023, the Federal Reserve implemented a series of rate hikes, pushing the federal funds target range to 5.25-5.5 percent by year-end. This aggressive monetary tightening was aimed at combating rising inflation, and its effects rippled through various lending rates, including the prime rate. Long-term investment outlook While short-term rates have risen, long-term investment yields have also seen changes. The 10-year U.S. Treasury bond, a benchmark for long-term interest rates, showed an average market yield of 2.13 percent in the second quarter of 2024, adjusted for constant maturity and inflation. This figure represents a recovery from negative real returns seen in 2021, reflecting shifting expectations for economic growth and inflation. The evolving yield environment has implications for both borrowers and investors, influencing decisions across the financial landscape.

Graph and download economic data for Bank Prime Loan Rate (DPRIME) from 1955-08-04 to 2025-03-24 about prime, loans, interest rate, banks, interest, depository institutions, rate, and USA.

The benchmark interest rate in China was last recorded at 3.10 percent. This dataset provides the latest reported value for - China Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Graph and download economic data for Bank Prime Loan Rate (RIFSPBLPND) from 1955-08-04 to 2025-03-24 about prime, loans, interest rate, banks, interest, depository institutions, rate, and USA.

Bank Lending Rate in Thailand remained unchanged at 6.75 percent in February. This dataset provides - Thailand Prime Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Graph and download economic data for Bank Prime Loan Rate Changes: Historical Dates of Changes and Rates from 1955-08-04 to 2024-12-20 about prime, loans, interest rate, banks, interest, depository institutions, rate, and USA.

This dataset provides values for LENDING RATE reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.

Key information about United States Bank Lending Rate

• United States Bank Lending Rate was reported at 7.500 % pa in Mar 2025.
• This stayed constant from the previous number of 7.500 % pa for Mar 2025.
• US Bank Lending Rate data is updated daily, averaging 4.250 % pa from Aug 1955 to 24 Mar 2025, with 25436 observations.
• The data reached an all-time high of 8.500 % pa in 18 Sep 2024 and a record low of 3.250 % pa in 16 Mar 2022.
• US Bank Lending Rate data remains active status in CEIC and is reported by CEIC Data.
• The data is categorized under World Trend Plus’s Global Economic Monitor – Table: Bank Lending Rate: Daily.

Graph and download economic data for Bank Prime Loan Rate (WPRIME) from 1955-08-10 to 2025-03-19 about prime, loans, interest rate, banks, interest, depository institutions, rate, and USA.

United States Prime Lending Rate: Month Average data was reported at 7.500 % pa in Feb 2025. This stayed constant from the previous number of 7.500 % pa for Jan 2025. United States Prime Lending Rate: Month Average data is updated monthly, averaging 5.835 % pa from Jan 1949 (Median) to Feb 2025, with 914 observations. The data reached an all-time high of 20.500 % pa in Aug 1981 and a record low of 2.000 % pa in Aug 1950. United States Prime Lending Rate: Month Average data remains active status in CEIC and is reported by Federal Reserve Board. The data is categorized under Global Database’s United States – Table US.M009: Lending Rates.

South Africa Prime Lending Rate data was reported at 11.000 % pa in Feb 2025. This stayed constant from the previous number of 11.000 % pa for Jan 2025. South Africa Prime Lending Rate data is updated monthly, averaging 10.500 % pa from Jan 2000 (Median) to Feb 2025, with 302 observations. The data reached an all-time high of 17.000 % pa in May 2003 and a record low of 7.000 % pa in Oct 2021. South Africa Prime Lending Rate data remains active status in CEIC and is reported by South African Reserve Bank. The data is categorized under Global Database’s South Africa – Table ZA.M005: Prime Lending Rate.

Lending Rate in Mozambique decreased to 18.50 percent in March from 19 percent in February of 2025. This dataset provides - Mozambique Lending Rate- actual values, historical data, forecast, chart, statistics, economic calendar and news.

United States - Bank Prime Loan Rate Changes: Historical Dates of Changes and Rates was 7.50% in December of 2024, according to the United States Federal Reserve. Historically, United States - Bank Prime Loan Rate Changes: Historical Dates of Changes and Rates reached a record high of 21.50 in December of 1980 and a record low of 3.25 in August of 1955. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Bank Prime Loan Rate Changes: Historical Dates of Changes and Rates - last updated from the United States Federal Reserve on March of 2025.

Nigeria Prime Lending Rate data was reported at 18.490 % pa in Jan 2025. This records a decrease from the previous number of 18.560 % pa for Dec 2024. Nigeria Prime Lending Rate data is updated monthly, averaging 16.530 % pa from Jan 2006 (Median) to Jan 2025, with 229 observations. The data reached an all-time high of 19.660 % pa in Nov 2009 and a record low of 11.130 % pa in Mar 2021. Nigeria Prime Lending Rate data remains active status in CEIC and is reported by Central Bank of Nigeria. The data is categorized under Global Database’s Nigeria – Table NG.M003: Lending Rates.

Key information about Mozambique Bank Lending Rate

• Mozambique Bank Lending Rate was reported at 19.000 % pa in Feb 2025.
• This stayed constant from the previous number of 19.000 % pa for Jan 2025.
• Mozambique Bank Lending Rate data is updated monthly, averaging 19.410 % pa from Aug 1997 to Feb 2025, with 331 observations.
• The data reached an all-time high of 33.500 % pa in Oct 1997 and a record low of 14.358 % pa in Feb 2010.
• Mozambique Bank Lending Rate data remains active status in CEIC and is reported by CEIC Data.
• The data is categorized under World Trend Plus’s Global Economic Monitor – Table: Bank Lending Rate: Monthly.

Lending Rate in Uzbekistan increased to 23.20 percent in February from 22.50 percent in January of 2025. This dataset provides - Uzbekistan Prime Lending Rate- actual values, historical data, forecast, chart, statistics, economic calendar and news.

Policy interest rates in the U.S. and Europe are forecasted to decrease gradually between 2024 and 2027, following exceptional increases triggered by soaring inflation between 2021 and 2023. The U.S. federal funds rate stood at 5.38 percent at the end of 2023, the European Central Bank deposit rate at four percent, and the Swiss National Bank policy rate at 1.75 percent. With inflationary pressures stabilizing, policy interest rates are forecast to decrease in each observed region. The U.S. federal funds rate is expected to decrease to 3.5 percent, the ECB refi rate to 2.65 percent, the Bank of England bank rate to 3.33 percent, and the Swiss National Bank policy rate to 0.75 percent by 2025. An interesting aspect to note is the impact of these interest rate changes on various economic factors such as growth, employment, and inflation. The impact of central bank policy rates The U.S. federal funds effective rate, crucial in determining the interest rate paid by depository institutions, experienced drastic changes in response to the COVID-19 pandemic. The subsequent slight changes in the effective rate reflected the efforts to stimulate the economy and manage economic factors such as inflation. Such fluctuations in the federal funds rate have had a significant impact on the overall economy. The European Central Bank's decision to cut its fixed interest rate in June 2024 for the first time since 2016 marked a significant shift in attitude towards economic conditions. The reasons behind the fluctuations in the ECB's interest rate reflect its mandate to ensure price stability and manage inflation, shedding light on the complex interplay between interest rates and economic factors. Inflation and real interest rates The relationship between inflation and interest rates is critical in understanding the actions of central banks. Central banks' efforts to manage inflation through interest rate adjustments reveal the intricate balance between economic growth and inflation. Additionally, the concept of real interest rates, adjusted for inflation, provides valuable insights into the impact of inflation on the economy.

Key information about Thailand Bank Lending Rate

• Thailand Bank Lending Rate was reported at 7.030 % pa in Feb 2025.
• This stayed constant from the previous number of 7.030 % pa for Jan 2025.
• Thailand Bank Lending Rate data is updated monthly, averaging 7.375 % pa from Jan 1983 to Feb 2025, with 506 observations.
• The data reached an all-time high of 17.000 % pa in Oct 1984 and a record low of 5.415 % pa in Aug 2022.
• Thailand Bank Lending Rate data remains active status in CEIC and is reported by CEIC Data.
• The data is categorized under World Trend Plus’s Global Economic Monitor – Table: Bank Lending Rate: Monthly.

Key information about Mexico Bank Lending Rate

• Mexico Bank Lending Rate was reported at 10.380 % pa in Jan 2025.
• This records a decrease from the previous number of 10.620 % pa for Dec 2024.
• Mexico Bank Lending Rate data is updated monthly, averaging 7.973 % pa from Sep 1993 to Jan 2025, with 377 observations.
• The data reached an all-time high of 91.970 % pa in Apr 1995 and a record low of 3.290 % pa in Sep 2014.
• Mexico Bank Lending Rate data remains active status in CEIC and is reported by CEIC Data.
• The data is categorized under World Trend Plus’s Global Economic Monitor – Table: Bank Lending Rate: Monthly.

Graph and download economic data for Interest Rates: Immediate Rates (< 24 Hours): Prime Rates: Total for United States (IRSTPI01USA156N) from 1960 to 2023 about prime, interest rate, interest, rate, and USA.