USA: Lending interest rate

* indicates monthly or quarterly data series
 USA

Interest rates on bank credit to the private sector

 Latest value 3.25
 Year 2021
 Measure percent
 Data availability 1960 - 2021
 Average 7.03
 Min - Max 3.25 - 18.87
 Source The World Bank
For that indicator, we provide data for the USA from 1960 to 2021. The average value for the USA during that period was 7.03 percent with a minimum of 3.25 percent in 2009 and a maximum of 18.87 percent in 1981. The latest value from 2021 is 3.25 percent. For comparison, the world average in 2021 based on 106 countries is 9.96 percent. See the global rankings for that indicator or use the country comparator to compare trends over time.
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* indicates monthly or quarterly data series


Recent values chart
USA - Lending interest rate - Recent values chart

Historical chart
USA - Lending interest rate - historical chart - 1960-2021




The lending interest rate in the USA shown below is the interest rate on credits from banks to prime borrowers, i.e. to the lowest risk borrowers in the private sector. That includes firms and households.
Definition: 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.

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 Related indicators Latest value Reference Measure
 Bank cost to income ratio 62.73 2021 percent
 Non-performing loans 0.72 2022 percent
 Bank overhead cost 2.41 2021 percent
 Net interest margin 2.77 2021 percent
 Bank credit to deposits 53.91 2020 percent
 Regulatory capital to risk-weighted assets 16.28 2020 percent
 Return on assets 1.59 2021 percent
 Return on equity 15.81 2021 percent
 Banking system z-scores 31.06 2021 index points
 Liquid assets to deposits 23.71 2021 percent
 Banking system capital to assets 11.02 2020 percent
 Non-interest income to total income 39.80 2021 percent
 Lending interest rate 3.25 2021 percent
 Real interest rate -1.28 2021 percent
 Legal rights 11.00 2019 points
 Credit information sharing 8.00 2019 points
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