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Rural Utilities Loan Interest Rates

Water & Environmental Programs

Telecommunications Program

Electric Programs

Hardship Loan Rate

On November 1, 1993, the Rural Electrification Loan Restructuring Act, Pub. L. 103-129, 107 Stat. 1356, (RELRA) amended the Rural Electrification Act of 1936, 7 U.S.C. 901 et seq., (RE Act) to establish a new interest rate structure for insured electric loans. Insured electric loans approved on or after this date, are either municipal rate loans or hardship rate loans. Borrowers meeting the criteria set forth in §1714.8 are eligible for 5 percent hardship rate loans.

Treasury and Federal Financing Bank (FFB) Rates

The following list of interest rates for loans shall not constitute an offer or commitment to make a loan at these rates. The interest rates listed are illustrative only of the rates that would apply to funds advanced on the date identified here as the "Issue Date." These rates change daily.

Approximate Federal Financing Bank Loan Rates With Call Options

Track our progress in loan making throughout the fiscal year by looking at the latest BoxScore.  This document displays details of the various Electric Program loan offerings.

To obtain the latest Federal Reserve Statistical Release of daily interest rates, you may use this link to go to the Federal Reserve Bank, where that information is available.

Municipal Interest Rates for the 3rd Quarter of CY 2025

In accordance with 7 CFR 1714.5, the interest rates are established as shown in the following table for all interest rate terms that begin at any time during the third quarter of calendar year 2025.

Municipal Interest Rates 
for the 3rd Quarter of 2025
Interest Rate Term Ends in (year...)RUS rate (0.000 percent)
20262.875
20272.875
20282.875
20292.875
20302.875
20313.000
20323.125
20333.250
20343.375
20353.500
20363.500
20373.625
20383.750
20393.875
20404.000
20414.125
20424.250
20434.250
20444.375
20454.500
2046 or later5.125