Michigan Judgment Interest Rate
United States Michigan’s judgment rate — 5-year Treasury + 1 point, compounded.
Current rate
4.725% per year, effective January 1, 2026 Set by statute
Michigan is unusual: interest runs from the day you file the complaint, not just after judgment. Under MCL §600.6013 the general rate is 1 point above the six-month average of 5-year Treasury auctions, reset every January 1 and July 1 and compounded annually — currently 4.725%. Judgments on a written instrument use a separate rate capped at 13%.
→ See Michigan’s prejudgment interest rate (interest before judgment — different rules)
Statutory basis & carve-outs. Post-judgment interest under MCL §600.6013 (Michigan’s judgment interest runs from the filing of the complaint): the general rate is 1 percentage point above the six-month average of 5-year U.S. Treasury note auctions, certified by the State Treasurer and reset each January 1 and July 1, COMPOUNDED ANNUALLY — currently 4.725% (period beginning Jan 1, 2026). Judgments on a written instrument use a separate rate (the instrument’s rate, capped at 13%). Verify the current period at legislature.mi.gov; not legal advice.
Effective-date history
| Effective date | Rate | Basis |
|---|---|---|
| January 1, 2026 | 4.725% | Statute |
Source & provenance
Latest value retrieved July 10, 2026 (02:55 UTC) from the official source:
https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-600-6013
Reference data only — not legal, tax, or financial advice. Always confirm the controlling value
against the official source and, where applicable, the governing statute or court before relying on it.