About StatuteRates

StatuteRates exists to make a difficult legal-rate question easier to verify: what figure applies, when did it take effect, and where did it come from?

Why this publication exists

Interest-rate rules are scattered across statutes, court schedules, agency notices, and changing market benchmarks. A search result often supplies a percentage without the date, legal branch, or source needed to decide whether it is relevant. StatuteRates records those pieces together and leaves uncertain branches unsupported rather than presenting a convenient guess.

The project is independently maintained, free to use, and not affiliated with a court, government agency, law firm, or advertising provider. Its purpose is reference and verification—not legal representation, lead generation, or replacing the controlling authority.

Who maintains and reviews the pages

StatuteRates Editorial is the publishing identity used on the site's data pages and guides. Source-specific data changes must pass the automated validation contract before they can publish; editorial explanations and calculator releases are reviewed against the linked authorities and tested before deployment. The project does not claim a lawyer, accountant, or tax professional reviewed a page unless that page explicitly says so.

Questions and correction reports go to [email protected]. The editorial and data-integrity policy explains the correction and calculator-release standards in detail.

How automation and AI assistance are used

Automation retrieves selected official publications, preserves effective-date history, checks expected ranges and cross-series relationships, and rebuilds the public dataset. AI-assisted tools may help organize research, draft explanations, or review software, but they cannot independently authorize a missing rate, invent a historical period, or release a legal calculator. Public values must retain a cited source and provenance record; unsupported calculation paths fail closed.

Sources and source quality

Primary government sources are preferred. An authorized code portal or court publication that is not itself the controlling enactment is labeled official-secondary, and any state rule that has not reached calculator-grade certainty remains reference-only:

• Alaska pre- and post-judgment interest rate table (ADM-505) — Alaska Court System (official). https://public.courts.alaska.gov/web/forms/docs/adm-505.pdf
• Alaska pre- and post-judgment interest rate table (ADM-505) — Alaska Court System (official). https://public.courts.alaska.gov/web/forms/docs/adm-505.pdf
• Alabama judgment interest (Ala. Code § 8-8-10(a)) — Alabama — alison.legislature.state.al.us. https://alison.legislature.state.al.us/code-of-alabama?section=8-8-10
• Alabama prejudgment interest (Ala. Code § 8-8-1) — Alabama — alison.legislature.state.al.us. https://alison.legislature.state.al.us/code-of-alabama?section=8-8-1
• Arkansas judgment interest (Ark. Code Ann. § 16-65-114(a)) — Arkansas — federalreserve.gov. https://www.federalreserve.gov/releases/h15/
• Arkansas Act 995 of 2019 (§ 16-65-114) — Arkansas General Assembly (official enacted act). https://www.arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2019R%2FPublic%2FACT995.pdf
• Arizona judgment interest (A.R.S. §44-1201) — Arizona State Legislature (official). https://www.azleg.gov/ars/44/01201.htm
• Arizona prejudgment interest (A.R.S. § 44-1201(A), &) — Arizona — azleg.gov. https://www.azleg.gov/ars/44/01201.htm
• Bank of England — Bank Rate (IUDBEDR) — Bank of England. https://www.bankofengland.co.uk/boeapps/database/Bank-Rate.asp
• California judgment-interest statutes and official transition authority — California Legislative Information and Attorney General (official). https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=CCP&sectionNum=685.010
• California prejudgment interest (Cal. Civ. Code sec. 3287) — California — leginfo.legislature.ca.gov. https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=3289.&lawCode=CIV
• Colorado Revised Statutes, Titles 5 and 13 — Colorado General Assembly — Office of Legislative Legal Services (official). https://content.leg.colorado.gov/agencies/office-legislative-legal-services/2025-crs-titles-download
• Colorado judgment interest (C.R.S. §5-12-102 / §13-21-101) — Colorado Secretary of State (official rate certification). https://www.coloradosos.gov/pubs/info_center/files/interest_rates.pdf
• Connecticut judgment interest branches (§§37-3a–37-3c) — Connecticut General Assembly (official). https://www.cga.ct.gov/current/pub/chap_673.htm
• Connecticut prejudgment interest (§37-3a) — Connecticut General Assembly (official). https://www.cga.ct.gov/current/pub/chap_673.htm
• District of Columbia judgment interest (D.C. Code § 28-3302(c)) — District of Columbia — code.dccouncil.gov. https://code.dccouncil.gov/us/dc/council/code/sections/28-3302
• D.C. prejudgment interest (D.C. Code § 15-108) — D.C. — code.dccouncil.gov. https://code.dccouncil.gov/us/dc/council/code/sections/15-108
• Delaware judgment interest (6 Del. C. § 2301) — Delaware — delcode.delaware.gov. https://delcode.delaware.gov/title6/c023/
• Delaware prejudgment interest (6 Del. C. § 2301(a)) — Delaware — delcode.delaware.gov. https://delcode.delaware.gov/title6/c023/
• ECB — Main Refinancing Operations fixed rate (MRR) — European Central Bank. https://data.ecb.europa.eu/data/datasets/FM/FM.B.U2.EUR.4F.KR.MRR_FR.LEV
• Federal Reserve H.15 — 1-Year Treasury Constant Maturity (FRED DGS1/WGS1YR) — Board of Governors of the Federal Reserve System via FRED. https://fred.stlouisfed.org/series/DGS1
• Florida judgment interest current and historical rates — Florida Department of Financial Services, Chief Financial Officer (official). https://myfloridacfo.com/division/aa/audits-reports/judgment-interest-rates
• Florida prejudgment-interest rate schedule (Fla. Stat. § 55.03) — Florida Department of Financial Services, Chief Financial Officer (official). https://myfloridacfo.com/division/aa/audits-reports/judgment-interest-rates
• Georgia judgment interest (O.C.G.A. §7-4-12) — Georgia General Assembly-authorized Code portal (LexisNexis); Federal Reserve prime benchmark via FRED. https://www.lexisnexis.com/hottopics/gacode
• Georgia prejudgment-interest rules and Federal Reserve prime benchmark — Georgia General Assembly-authorized Code portal (LexisNexis); Federal Reserve prime benchmark via FRED. https://www.lexisnexis.com/hottopics/gacode
• Hawaii judgment interest (Haw. Rev. Stat. 478-3. Related: 478-2) — Hawaii — capitol.hawaii.gov. https://www.capitol.hawaii.gov/hrscurrent/Vol11_Ch0476-0490/HRS0478/HRS_0478-0003.htm
• Hawaii prejudgment interest (HRS 636-16) — Hawaii — data.capitol.hawaii.gov. https://data.capitol.hawaii.gov/sessions/session2017/HRS-Chapter-PDF's/HRS_0478.pdf
• Iowa §668.13 post-judgment interest table — Iowa Judicial Branch (official). https://www.iowacourts.gov/iowa-courts/district-court/post-judgment-interest-table/
• Idaho judgment interest official fiscal-year table — Idaho State Treasurer (official). https://sto.idaho.gov/Banking/Legal-Rate-of-Interest
• Idaho prejudgment interest (Idaho Code 28-22-104(1)) — Idaho — legislature.idaho.gov. https://legislature.idaho.gov/statutesrules/idstat/title28/t28ch22/sect28-22-104/
• Illinois judgment interest (735 ILCS 5/2-1303) — Illinois General Assembly (official). https://www.ilga.gov/legislation/ilcs/fulltext?DocName=073500050K2-1303
• Illinois prejudgment interest (735 ILCS 5/2-1303(c)) — Illinois — ilga.gov. https://ilga.gov/documents/legislation/ilcs/documents/081502050K2.htm
• Indiana money-judgment interest statute — Indiana General Assembly (official). https://iga.in.gov/laws/current/ic/titles/24#24-4.6-1-101
• Indiana prejudgment interest (Contract/liquidated: IC 24-4.6-1-103) — Indiana — iga.in.gov. https://iga.in.gov/laws/2024/ic/titles/24#24-4.6-1-103
• IRS quarterly interest rates (§6621) — U.S. Internal Revenue Service. https://www.irs.gov/payments/quarterly-interest-rates
• IRS Form 1040 failure-to-file, failure-to-pay, interest, and penalty-relief rules — U.S. Internal Revenue Service. https://www.irs.gov/payments/failure-to-file-penalty
• Kansas judgment interest (Kan. Stat. Ann. 16-204) — Kansas — sos.ks.gov. https://sos.ks.gov/general-services/finance-rates.html
• Kansas prejudgment interest (K.S.A. 16-201) — Kansas — ksrevisor.gov. https://ksrevisor.gov/statutes/chapters/ch16/016_002_0001.html
• Kentucky judgment interest history (KRS 360.040 and 2017 Ky. Acts ch. 17) — Kentucky General Assembly (official). https://apps.legislature.ky.gov/law/acts/17RS/documents/0017.pdf
• Kentucky legal rate and official appellate prejudgment-interest authority — Kentucky General Assembly and Kentucky Court of Appeals (official). https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=47989
• Louisiana official judicial-interest schedule — Louisiana Office of Financial Institutions (official). https://ofi.la.gov/legal/statutes-rules-policies-opinions/judicial-interest-rates/
• Louisiana prejudgment interest branches — Louisiana Legislature and Office of Financial Institutions (official). https://ofi.la.gov/legal/statutes-rules-policies-opinions/judicial-interest-rates/
• Massachusetts G.L. c.231 §§6B–6C — Massachusetts Legislature (official). https://malegislature.gov/Laws/GeneralLaws/PartIII/TitleII/Chapter231/Section6B
• Massachusetts prejudgment interest (M.G.L. c. 231, § 6B) — Massachusetts — malegislature.gov. https://malegislature.gov/Laws/GeneralLaws/PartIII/TitleII/Chapter231/Section6B
• Maryland judgment interest (Md. Code, Courts & Judicial Proceedings Section 11-107(a)) — Maryland — mgaleg.maryland.gov. https://mgaleg.maryland.gov/mgawebsite/laws/StatuteText?article=gcj&section=11-107
• Maryland prejudgment interest (Md. Const. Art. III, sec. 57) — Maryland — mgaleg.maryland.gov. https://mgaleg.maryland.gov/Pubs/LegisLegal/2025-constitution-maryland-us.pdf
• Maine annual judgment-interest provisional H.15 calculation — Federal Reserve Board and Maine Legislature (official inputs). https://www.federalreserve.gov/datadownload/Download.aspx?rel=H15&series=bf17364827e38702b42a58cf8eaa3f78&filetype=csv&label=include&layout=seriescolumn
• Maine post-judgment interest official annual chart (OTH-156) — Maine Judicial Branch (official). https://mjbportal.courts.maine.gov/CourtForms/FormsLists/DownloadForm?strFormNumber=OTH-156
• Maine prejudgment interest official annual chart (OTH-155) — Maine Judicial Branch (official). https://mjbportal.courts.maine.gov/CourtForms/FormsLists/DownloadForm?strFormNumber=OTH-155
• Michigan judgment interest (MCL §600.6013) — Michigan Legislature (official). https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-600-6013
• Michigan official money-judgment interest benchmark history and MCL 600.6013 — Michigan Department of Treasury and Legislature (official). https://www.michigan.gov/taxes/interest-rates-for-money-judgments
• Michigan official money-judgment interest benchmark history — Michigan Department of Treasury (official). https://www.michigan.gov/taxes/interest-rates-for-money-judgments
• Minnesota official judgment-interest branches and history — Minnesota Judicial Branch and Revisor of Statutes (official). https://www.revisor.mn.gov/court_rules/rule/msinte/
• Minnesota prejudgment interest (Minn. Stat. § 549.09, subd. 1(b)) — Minnesota — revisor.mn.gov. https://www.revisor.mn.gov/statutes/cite/549.09
• Missouri judgment interest (Mo. Rev. Stat. §408.040) — Missouri — revisor.mo.gov. https://revisor.mo.gov/main/OneSection.aspx?section=408.040
• Missouri prejudgment interest (Mo. Rev. Stat. § 408.040) — Missouri — revisor.mo.gov. https://revisor.mo.gov/main/OneSection.aspx?section=408.040
• Mississippi judgment and prejudgment interest rules (Miss. Code Ann. §§75-17-7 and 75-17-1) — Mississippi Legislature-authorized Code portal (LexisNexis). https://www.lexisnexis.com/hottopics/mscode/
• Montana judgment interest (Mont. Code Ann. § 25-9-205) — Montana — mca.legmt.gov. https://mca.legmt.gov/bills/mca/title_0250/chapter_0090/part_0020/section_0050/0250-0090-0020-0050.html
• Montana prejudgment interest (MCA 27-1-211) — Montana — mca.legmt.gov. https://mca.legmt.gov/bills/mca/title_0270/chapter_0010/part_0020/section_0110/0270-0010-0020-0110.html
• North Carolina judgment interest (N.C.G.S. §24-5 / §24-1) — North Carolina General Assembly (official). https://www.ncleg.gov/EnactedLegislation/Statutes/HTML/BySection/Chapter_24/GS_24-5.html
• North Carolina prejudgment interest (N.C. Gen. Stat. 24-5) — North Carolina — ncleg.net. https://www.ncleg.net/EnactedLegislation/Statutes/PDF/BySection/Chapter_24/GS_24-5.pdf
• North Dakota official judgment-interest table — North Dakota Courts (official). https://www.ndcourts.gov/state-court-administration/interest-rate-on-judgments
• North Dakota prejudgment interest (N.D.C.C. § 32-03-04) — North Dakota — ndlegis.gov. https://ndlegis.gov/cencode/t32c03.pdf
• Nebraska judgment interest rate (Neb. Rev. Stat. §45-103) — Nebraska Judicial Branch (official). https://nebraskajudicial.gov/rules/administrative-policies-schedules/judgment-interest-rate
• Nebraska prejudgment interest statutes (§§45-103.02–45-104) — Nebraska Legislature (official). https://nebraskalegislature.gov/laws/laws-index/chap45-full.html
• New Hampshire civil interest rates — New Hampshire Judicial Branch (official). https://www.courts.nh.gov/our-courts/superior-court/civil/civil-interest-rates
• New Hampshire prejudgment interest (RSA 336:1, II) — New Hampshire — courts.nh.gov. https://www.courts.nh.gov/our-courts/superior-court/civil/civil-interest-rates
• New Jersey official post- and prejudgment interest schedule — New Jersey Courts (official). https://www.njcourts.gov/notices/notice-post-judgment-interest-rate-calendar-year-2026-rule-442-11
• New Jersey official pre- and postjudgment interest schedule — New Jersey Courts (official). https://www.njcourts.gov/sites/default/files/courts/civil/postprejudgmentrates.pdf
• New Mexico judgment interest (N.M. Stat. Ann. § 56-8-4) — New Mexico Compilation Commission — NMOneSource (official). https://nmonesource.com/nmos/nmsa/en/item/4418/index.do
• New Mexico prejudgment interest (NMSA 1978 §§ 56-8-3, 56-8-4) — New Mexico Compilation Commission — NMOneSource (official). https://nmonesource.com/nmos/nmsa/en/item/4418/index.do
• Nevada FID prime-rate and NRS 17.130 judgment-rate history — Nevada Financial Institutions Division (official). https://fid.nv.gov/uploadedFiles/fidnvgov/content/Resources/Prime%20Interest%20Rate%20July%201%2C%202026.pdf
• Nevada prejudgment interest (NRS 99.040) — Nevada — leg.state.nv.us. https://www.leg.state.nv.us/NRS/NRS-099.html
• Matter of HSBC Bank USA — 9% rate effective June 15, 1981 — New York State Law Reporting Bureau (official court opinion). https://www.nycourts.gov/REPORTER/3dseries/2012/2012_04954.htm
• New York prejudgment interest (N.Y. C.P.L.R. 5004) — New York — nysenate.gov. https://www.nysenate.gov/legislation/laws/CVP/5004
• New York CPLR 5001–5004 and Fair Consumer Judgment Interest Act — New York State Senate (official statute and enacted bill text). https://www.nysenate.gov/legislation/laws/CVP/5004
• Ohio prejudgment interest (Ohio Rev. Code 1343.03) — Ohio — codes.ohio.gov. https://codes.ohio.gov/ohio-revised-code/section-1343.03
• Ohio judgment interest (R.C. §1343.03 / §5703.47) — Ohio Department of Taxation (official). https://dam.assets.ohio.gov/image/upload/tax.ohio.gov/individual/2026_Interest_Rates.pdf
• Oklahoma Administrative Director-certified judgment-interest history — Oklahoma State Courts Network (official judicial publication). https://www.oscn.net/applications/oscn/DeliverDocument.asp?CiteID=551111
• Oklahoma prejudgment interest (12 O.S. Sec. 727.1) — Oklahoma — oscn.net. https://www.oscn.net/applications/oscn/DeliverDocument.asp?CiteID=551111
• Oregon judgment interest (ORS 82.010(2)) — Oregon Legislative Assembly (official). https://www.oregonlegislature.gov/bills_laws/ors/ors082.html
• Oregon prejudgment interest (ORS 82.010) — Oregon Legislature (official). https://www.oregonlegislature.gov/bills_laws/ors/ors082.html
• Pennsylvania prejudgment interest (41 P.S. Sec. 202) — Pennsylvania — pacodeandbulletin.gov. https://www.pacodeandbulletin.gov/secure/pacode/data/231/chapter200/s238.html
• Pennsylvania judgment interest (42 Pa.C.S. §8101; 41 P.S. §202) — Pennsylvania General Assembly (official). https://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/42/00.081.001.000..HTM
• Rhode Island judgment interest (R.I. Gen. Laws § 9-21-10) — Rhode Island — webserver.rilegislature.gov. https://webserver.rilegislature.gov/Statutes/TITLE9/9-21/9-21-10.HTM
• Rhode Island prejudgment interest (R.I. Gen. Laws § 9-21-10) — Rhode Island — webserver.rilegislature.gov. https://webserver.rilegislature.gov/Statutes/TITLE9/9-21/9-21-10.HTM
• South Carolina judgment interest (S.C. Code Ann. § 34-31-20(B)) — South Carolina — scstatehouse.gov. https://www.scstatehouse.gov/code/t34c031.php
• South Carolina prejudgment interest (S.C. Code Ann. § 34-31-20(A)) — South Carolina — scstatehouse.gov. https://www.scstatehouse.gov/code/t34c031.php
• South Dakota judgment interest (SDCL § 54-3-5.1) — South Dakota — sdlegislature.gov. https://sdlegislature.gov/Statutes/54-3-5.1
• South Dakota prejudgment interest (SDCL 21-1-13.1) — South Dakota — sdlegislature.gov. https://sdlegislature.gov/Statutes/21-1-13.1
• Tennessee post-judgment interest (Tenn. Code §47-14-121) — Tennessee Courts / Dept. of Financial Institutions (official). https://www.tncourts.gov/tennessee-judgment-interest-rates
• Tennessee prejudgment interest (§ 47-14-123, discussed by Tennessee Court of Appeals) — Tennessee Courts (official judicial source). https://www.tncourts.gov/sites/default/files/OPINIONS/TCA/PDF/014/willselectric.pdf
• Texas postjudgment interest rate (Finance Code §304.003) — Texas Office of Consumer Credit Commissioner (official). https://occc.texas.gov/publications/interest-rates/
• Texas prejudgment interest (Finance Code Chapter 304 + OCCC rate) — Texas Legislature and Office of Consumer Credit Commissioner (official). https://statutes.capitol.texas.gov/Docs/FI/pdf/FI.304.pdf
• Utah post-judgment interest current and historical tables — Utah State Courts (official). https://www.utcourts.gov/en/court-records-publications/resources/interest-rates/interestrates.html
• Utah prejudgment interest (Utah Code Ann. 15-1-1(2)) — Utah — le.utah.gov. https://le.utah.gov/xcode/Title15/Chapter1/15-1-S1.html
• Virginia judgment interest (Va. Code §6.2-302) — Virginia General Assembly (official). https://law.lis.virginia.gov/vacode/title6.2/chapter3/section6.2-302/
• Virginia prejudgment interest (Va. Code Ann. § 8.01-382) — Virginia — law.lis.virginia.gov. https://law.lis.virginia.gov/vacode/title8.01/chapter13/section8.01-382/
• Vermont judgment interest (9 V.S.A. § 41a(a)) — Vermont — legislature.vermont.gov. https://legislature.vermont.gov/statutes/section/09/004/00041a
• Vermont prejudgment interest (9 V.S.A. § 41a(a)) — Vermont — legislature.vermont.gov. https://legislature.vermont.gov/statutes/section/09/004/00041a
• Washington prejudgment interest (RCW 19.52.010(1)) — Washington — app.leg.wa.gov. https://app.leg.wa.gov/rcw/default.aspx?cite=19.52.010
• Washington post-judgment interest (RCW 4.56.110) — Washington State Legislature (official). https://app.leg.wa.gov/rcw/default.aspx?cite=4.56.110
• Wisconsin official judgment-interest half-year history — Wisconsin Court System and Legislature (official). https://www.wicourts.gov/services/public/selfhelp/docs/interestrate.pdf
• Wisconsin prejudgment interest (Wis. Stat. 138.04) — Wisconsin — docs.legis.wisconsin.gov. https://docs.legis.wisconsin.gov/statutes/statutes/138/04
• West Virginia annual judgment-interest orders — Supreme Court of Appeals of West Virginia (official). https://www.courtswv.gov/legal-community/court-rules
• West Virginia prejudgment interest (W. Va. Code § 56-6-31(b)) — West Virginia — code.wvlegislature.gov. https://code.wvlegislature.gov/56-6-31/
• Wyoming judgment interest (Wyo. Stat. Ann. 1-16-102) — Wyoming — wyoleg.gov. https://wyoleg.gov/statutes/compress/title01.pdf
• Wyoming prejudgment interest (Wyo. Stat. Ann. Sec. 40-14-106(e)) — Wyoming — wyoleg.gov. https://wyoleg.gov/statutes/compress/title40.pdf

We store the extracted values and their provenance (source URL, effective date, retrieval time), not republished source prose. Page explanations are original StatuteRates editorial content produced through the disclosed research and review process.

How the pipeline works

1. A polite fetcher retrieves each automated page/feed (honest user-agent, rate-limited, robots.txt respected, responses cached to avoid unnecessary requests).
2. Values are parsed into a normalized schema and loaded into a database, with each observation keyed to its effective date so history is preserved, never overwritten.
3. A validation suite checks types, sane ranges, source freshness, and cross-value consistency. If anything fails, that refresh does not replace the last validated export.
4. Validated data is exported to versioned JSON that powers this site and the API.

How fresh it is

IRS quarterly; US Treasury/post-judgment weekly; UK statutory and EU Directive benchmark series semi-annual; BoE/ECB policy rates on decision. Refreshed weekly. The dataset was last compiled on August 22, 2026; every page shows the effective date of the value it displays.

Published vs. derived values

Automated values are published directly by a source. State-law entries are curated references, and several remain calculator-ineligible while rule history is completed. A few — notably the federal post-judgment rate — are derived from an official series using the governing statutory formula (marked "Derived value"), and each such page shows the exact formula and a reminder to confirm the controlling figure. We never present a computed number as authoritative without its formula and source.

What we don't do

• We collect no personal data ourselves — no accounts, and the calculators run in your browser. The site is ad-supported, so our advertising partner (Google) may set cookies; see our Privacy Policy for details and how to opt out.
• We don't give legal, tax, or financial advice — these are reference values.
• We don't paywall the data or the API.

Contact

Spotted a value that looks off, or want to get in touch? Email [email protected]. If a rate looks wrong, please check the linked source and then the controlling official authority (it may have changed since our last compile) — accuracy is the entire point of this project.