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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 4th Quarter of CY 2024

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 fourth quarter of calendar year 2024.

Municipal Interest Rates 
for the 4th Quarter of 2024
Interest Rate Term Ends in (year...)RUS rate (0.000 percent)
20252.625
20262.625
20272.500
20282.500
20292.500
20302.500
20312.625
20322.625
20332.750
20342.750
20352.875
20362.875
20373.000
20383.125
20393.125
20403.250
20413.250
20423.375
20433.375
20443.500
2045 or later3.750