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

Bank Lending Rate in the United States remained unchanged at 7.50 percent in July. This dataset provides - United States Average Monthly Prime Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

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.

United States - Bank Prime Loan Rate was 7.50% in June 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 August of 2025.

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

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

Graph and download economic data for Bank Prime Loan Rate (DPRIME) from 1955-08-04 to 2025-09-04 about prime, loans, banks, interest rate, depository institutions, interest, rate, and USA.

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

The benchmark interest rate in the United States was last recorded at 4.50 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.

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

The benchmark interest rate in China was last recorded at 3 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.

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.

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 September of 2025.

Graph and download economic data for Bank Prime Loan Rate (WPRIME) from 1955-08-10 to 2025-09-03 about prime, loans, banks, interest rate, depository institutions, interest, rate, and USA.

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 July of 2025.

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 September of 2025.

The U.S. federal funds effective rate underwent a dramatic reduction in early 2020 in response to the COVID-19 pandemic. The rate plummeted from 1.58 percent in February 2020 to 0.65 percent in March, and further decreased to 0.05 percent in April. This sharp reduction, accompanied by the Federal Reserve's quantitative easing program, was implemented to stabilize the economy during the global health crisis. After maintaining historically low rates for nearly two years, the Federal Reserve began a series of rate hikes in early 2022, with the rate moving from 0.33 percent in April 2022 to 5.33 percent in August 2023. The rate remained unchanged for over a year, before the Federal Reserve initiated its first rate cut in nearly three years in September 2024, bringing the rate to 5.13 percent. By December 2024, the rate was cut to 4.48 percent, signaling a shift in monetary policy in the second half of 2024. In January 2025, the Federal Reserve implemented another cut, setting the rate at 4.33 percent, which remained unchanged throughout the following months. What is the federal funds effective rate? The U.S. federal funds effective rate determines the interest rate paid by depository institutions, such as banks and credit unions, that lend reserve balances to other depository institutions overnight. Changing the effective rate in times of crisis is a common way to stimulate the economy, as it has a significant impact on the whole economy, such as economic growth, employment, and inflation. Central bank policy rates The adjustment of interest rates in response to the COVID-19 pandemic was a coordinated global effort. In early 2020, central banks worldwide implemented aggressive monetary easing policies to combat the economic crisis. The U.S. Federal Reserve's dramatic reduction of its federal funds rate - from 1.58 percent in February 2020 to 0.05 percent by April - mirrored similar actions taken by central banks globally. While these low rates remained in place throughout 2021, mounting inflationary pressures led to a synchronized tightening cycle beginning in 2022, with central banks pushing rates to multi-year highs. By mid-2024, as inflation moderated across major economies, central banks began implementing their first rate cuts in several years, with the U.S. Federal Reserve, Bank of England, and European Central Bank all easing monetary policy.

United States - Average Reported Prime Rate,Weighted by the Amount Loans Priced Relative to Prime, by Base Pricing Rate, All Commercial Banks (DISCONTINUED) was 3.75% 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, All Commercial Banks (DISCONTINUED) reached a record high of 9.55 in July of 2000 and a record low of 3.29 in April of 2011. 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, All Commercial Banks (DISCONTINUED) - last updated from the United States Federal Reserve on September of 2025.

The inflation rate in the United States declined significantly between June 2022 and July 2025, despite rising inflationary pressures towards the end of 2024. The peak inflation rate was recorded in June 2022, at *** percent. In August 2023, the Federal Reserve's interest rate hit its highest level during the observed period, at **** percent, and remained unchanged until September 2024, when the Federal Reserve implemented its first rate cut since September 2021. By January 2025, the rate dropped to **** percent, signalling a shift in monetary policy. What is the Federal Reserve interest rate? The Federal Reserve interest rate, or the federal funds rate, is the rate at which banks and credit unions lend to and borrow from each other. It is one of the Federal Reserve's key tools for maintaining strong employment rates, stable prices, and reasonable interest rates. The rate is determined by the Federal Reserve and adjusted eight times a year, though it can be changed through emergency meetings during times of crisis. The Fed doesn't directly control the interest rate but sets a target rate. It then uses open market operations to influence rates toward this target. Ways of measuring inflation Inflation is typically measured using several methods, with the most common being the Consumer Price Index (CPI). The CPI tracks the price of a fixed basket of goods and services over time, providing a measure of the price changes consumers face. At the end of 2023, the CPI in the United States was ****** percent, up from ****** a year earlier. A more business-focused measure is the producer price index (PPI), which represents the costs of firms.