View market daily updates and historical trends for US Bank Prime Loan Rate. from United States. Source: Federal Reserve. Track economic data with YCharts…

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 **** percent in 1990, the rate has seen periods of decline, stability, and recent increases. As of July 2025, the prime rate stood at *** 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 ******** percent by year-end. This was followed by several rate cuts in 2024, with the target range standing at 4.25 to 4.5 percent in December 2024. The aggressive monetary tightening in 2023 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 **** 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 2025-10-10 about prime, loans, interest rate, banks, interest, depository institutions, rate, and USA.

Graph and download economic data for Bank Prime Loan Rate Changes: Historical Dates of Changes and Rates (PRIME) from 1955-08-04 to 2025-09-17 about prime, loans, interest rate, banks, interest, depository institutions, rate, and USA.

Bank Lending Rate in the United States decreased to 7.25 percent in September from 7.50 percent in August of 2025. This dataset provides - United States Average Monthly Prime Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Graph and download economic data for Bank Prime Loan Rate (MPRIME) from Jan 1949 to Sep 2025 about prime, loans, interest rate, banks, interest, depository institutions, rate, and USA.

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 2025-10-15 about prime, loans, interest rate, banks, interest, depository institutions, rate, and USA.

United States - Bank Prime Loan Rate was 7.50% in August of 2025, according to the United States Federal Reserve. Historically, United States - Bank Prime Loan Rate reached a record high of 20.50 in August of 1981 and a record low of 2.00 in February of 1949. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Bank Prime Loan Rate - last updated from the United States Federal Reserve on September of 2025.

View yearly updates and historical trends for US Prime Rate Forecast. from United States. Source: Oregon Office of Economic Analysis. Track economic data …

United States Prime Lending Rate: Month Average data was reported at 7.500 % pa in Apr 2025. This stayed constant from the previous number of 7.500 % pa for Mar 2025. United States Prime Lending Rate: Month Average data is updated monthly, averaging 5.880 % pa from Jan 1949 (Median) to Apr 2025, with 916 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.M011: Lending Rates.

Lending interest rate (%) in United States was reported at 3.25 % in 2021, according to the World Bank collection of development indicators, compiled from officially recognized sources. United States - Lending interest rate - actual values, historical data, forecasts and projections were sourced from the World Bank on October of 2025.

With average lending interest rates of 2.98 percent in 2024, Switzerland was the country with the lowest cost of borrowing money among the ones selected here. The average lending interest rate in China was 4.35 percent, and in South Korea it was roughly 4.73 percent. The average interest rate in Israel was 2.96 in 2022, the latest available data, but the prime rate charged by banks in that country has increased since then.

United States - Average Reported Prime Rate,Weighted by the Amount Loans Priced Relative to Prime, by Base Pricing Rate, U.S. Branches and Agencies of Foreign Banks (DISCONTINUED) was 3.64% in April of 2017, according to the United States Federal Reserve. Historically, United States - Average Reported Prime Rate,Weighted by the Amount Loans Priced Relative to Prime, by Base Pricing Rate, U.S. Branches and Agencies of Foreign Banks (DISCONTINUED) reached a record high of 9.50 in July of 2000 and a record low of 3.15 in January of 2010. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Average Reported Prime Rate,Weighted by the Amount Loans Priced Relative to Prime, by Base Pricing Rate, U.S. Branches and Agencies of Foreign Banks (DISCONTINUED) - last updated from the United States Federal Reserve on September of 2025.

Graph and download economic data for Interest Rates: Immediate Rates (< 24 Hours): Prime Rates: Total for United States (IRSTPI01USM156N) from Jan 1960 to Dec 2023 about prime, interest rate, interest, rate, and USA.

View quarterly updates and historical trends for US Commercial Banks Average Reported Prime Rate (DISCONTINUED). from United States. Source: Federal Reser…

Bank Prime Rate for United States - Historical chart and current data through 2025.

United States US: Lending Interest Rate data was reported at 3.512 % pa in 2016. This records an increase from the previous number of 3.260 % pa for 2015. United States US: Lending Interest Rate data is updated yearly, averaging 6.922 % pa from Dec 1960 (Median) to 2016, with 57 observations. The data reached an all-time high of 18.870 % pa in 1981 and a record low of 3.250 % pa in 2014. United States US: Lending Interest Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s United States – Table US.World Bank.WDI: Interest Rates. Lending rate is the bank rate that usually meets the short- and medium-term financing needs of the private sector. This rate is normally differentiated according to creditworthiness of borrowers and objectives of financing. The terms and conditions attached to these rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics and data files.; ;

The prime rate is the interest level that financial institutions offer to their top-tier, most reliable larger business clients. The data for this report is sourced from the Federal Reserve (Fed). The values presented in this report are annual figures, derived from equally weighted monthly averages.

The benchmark interest rate in the United States was last recorded at 4.25 percent. This dataset provides the latest reported value for - United States Fed Funds Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.