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Credit card APR (annual percentage rates) and Federal Reserve interest rate in the United States from January 2010 to January 2025

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Sources

Release date

January 2025

Region

United States

Survey time period

January 2010 to January 2025

Special properties

All figures are as of the end of that month; All figures are non seasonally adjusted

Supplementary notes

All figures have been gathered and combined by ÌÇÐÄÆƽâ°æ. The figures ceom from the following sources:

  • - Consumer Credit G.19;
  • - Federal Funds Effective Rate.

Both figures follow a different release cycle. Typically, the credit card APR is behind the Federal Reserve rate.

Citation formats

Monthly credit card APR and Federal Reserve interest rate in the U.S. 2010-2025

Published by ÌÇÐÄÆƽâ°æ Research Department, Jan 30, 2025

While interest rates in the United States declined times by late 2024, average credit card interest rates did not immediately follow suit. This reveals itself when comparing the Federal Reserve interest rate against the APR, or annual percentage rates, of credit cards issued by commercial banks. The APR reached a record high in the country in 2024, likely adding to the growing credit card debt in the United States. This was below the APR of credit cards in a country like Brazil, however. It is expected that the credit card interest rates will continue to need time to catch up with the Fed interest rate.

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