US Interest Rate History 2025

The Federal Fund Rate is the interest rate at which the banks or other financial institution lends the funds to other banking institutions overnight. These funds rates serve as the key benchmark for the other interest rates in the US economy. These rates influence the borrowing costs in the country. The Federal Reserve during the monetary policy meetings set this rate. The Fed rates are used to regulate the money supply. By lowering or raising this rate the Fed can encourage borrowings or spending. Instead of a fixed rate the Fed sets these rates in the target range. This guide will include the US Interest Rate History 2025with the previous year’s history also.

There are various Interest rates in the USA including mortgages rates, loans rates, federal funds rate. Today in this post we will check the Federal Funds Rate and its history. The Federal fund rate which is the key aid to oversee monetary policy. This Fed rate is fixed in the FOMC meetings. A lower federal fund rate encourages borrowing and spending by consumers or businesses. A higher federal fund rate will cool down an overheating economy and this can curb the inflation by making the borrowings more expensive. This guide will include US Interest Rate History 2025with previous years history.

US Federal Fund Rate 2025- Overview

Post Title	US Interest Rate History 2025
Year	2025
Name of the Country	USA
Issuing Agency	Federal Reserve Board
Current Interest Rate	4.75% to 5.00%
Interest Rate Changes On	18th September 2025
Category of the Post	US Finance
Official Web Page	www.federalreserve.gov

USA Federal Fund Interest Rate History

FOMC Meeting Held On	Federal Fund Rate
18th September 2025	4.75% to 5.00%
26th July 2023	5.25% to 5.50%
3rd May 2023	5.00% to 5.25%
22nd March 2023	4.75% to 5.00%
1st February 2023	4.50% to 4.75%
14th December 2022	4.25% to 4.50%
2nd November 2022	3.75% to 4.00%
21st September 2022	3.00% to 3.25%
27th July 2022	2.25% to 2.50%
16th June 2022	1.50% to 1.75%
5th May 2022	0.75% to 1.00%
17th March 2022	0.25% to 0.50%
16th March 2020	0% to 0.25%
3rd March 2020	1.0% to 1.25%
31st October 2019	1.50% to 1.75%
19th September 2019	1.75% to 2.00%
1st August 2019	2.00% to 2.25%
20th December 2018	2.25% to 2.50%
27th September 2018	2.0% to 2.25%
14th June 2018	1.75% to 2.0%
22nd March 2018	1.50% to 1.75%
14th December 2017	1.25% to 1.50%
15th June 2017	1.00% to 1.25%
16th March 2017	0.75% to 1.00%
15th December 2016	0.5% to 0.75%
17th December 2015	0.25% to 0.50%
16th December 2008	0% to 0.25%
29th October 2008	1.00%
8th October 2008	1.50%
30th April 2008	2.00%
18th March 2008	2.25%
30th January 2008	3.00%
22nd January 2008	3.50%
11th December 2007	4.25%
31st October 2007	4.50%
18th September 2007	4.75%
29th June 2006	5.25%
10th May 2006	5.00%
28th March 2006	4.75%
31st January 2006	4.50%
13th December 2005	4.25%
1st November 2005	4.00%
20th September 2005	3.75%
9th August 2005	3.50%
30th June 2005	3.25%
3rd May 2005	3.00%
22nd March 2005	2.75%
2nd February 2005	2.50%
14th December 2004	2.25%
10th November 2004	2.00%
21st September 2004	1.75%
10th August 2004	1.50%
30th June 2004	1.25%
25th June 2003	1.00%
6th November 2002	1.00%
11th December 2001	1.75%
6th November 2001	2.00%
2nd October 2001	2.50%
17th September 2001	3.00%
21st August 2001	3.50%
27th June 2001	3.75%
15th May 2001	4.00%
18th April 2001	4.50%
20th March 2001	5.00%
31st January 2001	5.50%
3rd January 2001	6.00%
16th May 2000	6.50%
21st March 2000	6.00%
2nd February 2000	5.75%
16th November 1999	5.50%
24th August 1999	5.25%
30th June 1999	5.00%
17th November 1998	4.75%
15th October 1998	5.00%
29th September 1998	5.25%
25th March 1997	5.50%
31st January 1996	5.25%
19th December 1995	5.50%
6th July 1995	5.75%
1st February 1995	6.00%
15th November 1994	5.50%
16th August 1994	4.75%
17th May 1994	4.25%
18th April 1994	3.75%
22nd March 1994	3.50%
4th February 1994	3.25%
4th September 1992	3.00%
2nd July 1992	3.25%
9th April 1992	3.75%
20th December 1991	4.00%
6th December 1991	4.50%
6th November 1991	4.75%
31st October 1991	5.00%
13th September 1991	5.25%
6th August 1991	5.50%
30th April 1991	5.75%
8th March 1991	6.00%
1st February 1991	6.25%
9th January 1991	6.75%
18th December 1990	7.00%
7th December 1990	7.25%
13th November 1990	7.50%
29th October 1990	7.75%
13th July 1990	8.00%

Fact Check US Interest Rate History

The provided history for the federal rates is reliable as these are officially taken from the Federal Reserve Board official page. The users can know the more official data on this page only. Recently this rate changes and sets as 4.75% to 5.00%. These rates are not fixed, the authorities only provide the range. In this range the money can be lent to the other financial or banking institutions.