Georgia post-judgment interest rate
United States Georgia judgment interest — prime rate plus 3 points.
→ All Georgia judgment & prejudgment interest rates
Formula value
2026 Georgia post-judgment interest at a glance
- Current rate
- 9.75% per year
- Effective date
- December 11, 2025
- Controlling authority
- O.C.G.A. §7-4-12
- Rate basis
- Formula value
- Source checked
- August 25, 2026
- Recorded history
- 59 data points
Under O.C.G.A. §7-4-12, interest on a Georgia money judgment is the Federal Reserve prime rate on the day of judgment plus 3 percentage points — currently 9.75% — fixed for the life of that judgment. A judgment on a written contract that specifies a rate carries the contract rate instead. The history below follows every Federal Reserve prime-rate change since the current statutory scheme began on July 1, 2003.
How Georgia post-judgment interest works
Which rate applies
For civil actions filed on or after July 1, 2003, §7-4-12(a) applies the prime-plus-three formula to the general money-judgment path. Under subsection (b), a judgment founded on a written contract that specifies an interest rate uses the contract rate instead.
When interest accrues
The benchmark is the Federal Reserve prime rate in force on the date the judgment is entered. The resulting rate is fixed for that judgment rather than resetting whenever prime later changes.
Compounding and rate lock
The general rule is treated as simple interest. Calculator output remains withheld while day count, partial-payment allocation, amended judgments, and every supported exception are verified to calculator-grade certainty.
Official history coverage
The recorded history begins July 1, 2003 with the 4.00% prime rate then in force, producing 7.00%. Each later row is an exact effective-date change from the Federal Reserve/FRED PRIME series. The weekly refresh validates the complete baseline and automatically appends a later change.
→ Calculate interest at this rate
→ See Georgia’s prejudgment interest rate (interest before judgment — different rules)
Effective-date history
| Effective date | Rate | Basis |
|---|---|---|
| December 11, 2025 | 9.75% | Formula |
| October 30, 2025 | 10.00% | Formula |
| September 17, 2025 | 10.25% | Formula |
| December 20, 2024 | 10.50% | Formula |
| November 8, 2024 | 10.75% | Formula |
| September 19, 2024 | 11.00% | Formula |
| July 27, 2023 | 11.50% | Formula |
| May 4, 2023 | 11.25% | Formula |
| March 23, 2023 | 11.00% | Formula |
| February 2, 2023 | 10.75% | Formula |
| December 15, 2022 | 10.50% | Formula |
| November 3, 2022 | 10.00% | Formula |
| September 22, 2022 | 9.25% | Formula |
| July 28, 2022 | 8.50% | Formula |
| June 16, 2022 | 7.75% | Formula |
| May 5, 2022 | 7.00% | Formula |
| March 17, 2022 | 6.50% | Formula |
| March 16, 2020 | 6.25% | Formula |
| March 4, 2020 | 7.25% | Formula |
| October 31, 2019 | 7.75% | Formula |
| September 19, 2019 | 8.00% | Formula |
| August 1, 2019 | 8.25% | Formula |
| December 20, 2018 | 8.50% | Formula |
| September 27, 2018 | 8.25% | Formula |
| June 14, 2018 | 8.00% | Formula |
| March 22, 2018 | 7.75% | Formula |
| December 14, 2017 | 7.50% | Formula |
| June 15, 2017 | 7.25% | Formula |
| March 16, 2017 | 7.00% | Formula |
| December 15, 2016 | 6.75% | Formula |
| December 17, 2015 | 6.50% | Formula |
| December 16, 2008 | 6.25% | Formula |
| October 29, 2008 | 7.00% | Formula |
| October 8, 2008 | 7.50% | Formula |
| April 30, 2008 | 8.00% | Formula |
| March 18, 2008 | 8.25% | Formula |
| January 30, 2008 | 9.00% | Formula |
| January 22, 2008 | 9.50% | Formula |
| December 11, 2007 | 10.25% | Formula |
| October 31, 2007 | 10.50% | Formula |
Use this recorded history
59 source-backed periods are released from 2003-07-01 through 2026-08-25. For this series, the date input means judgment-entry date. General O.C.G.A. §7-4-12(a) branch derived from Federal Reserve prime plus three points; a written contract can control instead.
Source & provenance
Observation recorded August 25, 2026 (02:51 UTC) from the cited source (Georgia General Assembly-authorized Code portal (LexisNexis); Federal Reserve prime benchmark via FRED):
https://fred.stlouisfed.org/series/PRIME
Cite this page
StatuteRates. “Georgia Judgment Interest Rate.” StatuteRates.com. Accessed today. https://statuterates.com/rates/georgia-judgment-rate/ Rate recorded under O.C.G.A. §7-4-12, effective December 11, 2025.