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United States Interest Rate

Last Release
Sep 17, 2025
Actual
4.25
Units In
%
Previous
4.5
Frequency
Daily
Next Release
Oct 29, 2025
Time to Release
20 Days 22 Hours
Highest
Lowest
Average
Date Range
Source
20
Mar 1980
0.25
Dec 2008
5.41 %1971-2025Federal Reserve
In the United States, the authority to set interest rates is divided between the Board of Governors of the Federal Reserve (Board) and the Federal Open Market Committee (FOMC). The Board decides on changes in discount rates after recommendations submitted by one or more of the regional Federal Reserve Banks. The FOMC decides on open market operations, including the desired levels of central bank money or the desired federal funds market rate.

Latest Updates

Most Federal Reserve officials noted that it was appropriate to move the federal funds rate toward a more neutral level, as they judged that downside risks to employment had increased. However, a majority still emphasized that the risks to the inflation outlook remained tilted to the upside, according to the latest FOMC minutes. In addition, most participants considered it likely that further policy easing would be appropriate over the remainder of the year, with around half of officials anticipating two additional interest rate cuts by the end of 2025. Officials continued to say they would weigh risks both to inflation and employment as they considered their next move. The Federal Reserve cut the federal funds rate by 25bps in September 2025, bringing it to the 4.00%–4.25% range, in line with expectations. It was the first reduction in borrowing costs since December.

United States Interest Rate History

Last 12 readings

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