What is the current New York judgment interest rate?

As of June 15, 1981: New York Judgment Interest Rate is 9% per year. New York’s general judgment rate and the branches that can displace it.

New York post-judgment interest rate

United States New York’s general judgment rate and the branches that can displace it.

→ All New York judgment & prejudgment interest rates

Headline statutory branch

9% per year — headline statutory branch; another branch may control
Statutory branches

2026 New York post-judgment interest at a glance

Headline branch: 9% per year (branch shown)
Effective date: June 15, 1981
Controlling authority: CPLR 5003 and 5004(a)
Rate basis: Statutory branches
Source checked: August 21, 2026
Recorded history: 1 data point

CPLR 5004(a) sets a 9% annual general rate, and CPLR 5003 starts post-judgment interest when a money judgment is entered—or when a payment order is docketed as a judgment. This is a general branch, not a universal answer: covered consumer-debt actions against natural persons use 2% from April 30, 2022, specific statutes can control, and an agreement must clearly preserve a different post-judgment rate to displace the statutory rate.

How New York post-judgment interest works

Which rate applies

The 9% headline is the CPLR 5004(a) general rate. A covered consumer-debt action against a natural person uses the separate 2% branch beginning April 30, 2022. A statute governing a particular claim or defendant can supersede the default, and a contract must clearly, unambiguously, and unequivocally preserve a different post-judgment rate to displace it.

When interest accrues

CPLR 5003 starts interest on a money judgment when the judgment is entered, or when a payment order is docketed as a judgment. CPLR 5002 separately governs interest from a verdict, report, or decision until judgment entry; the legally relevant dates therefore depend on the procedural record.

Compounding and rate lock

New York appellate authority says CPLR 5001–5004 does not provide compound interest. The entered judgment can include pre-entry interest incorporated under CPLR 5002, but partial payments, tolling, contract survival, and special statutory branches still prevent a universal payoff calculator. StatuteRates therefore keeps this series reference-only.

Official history coverage

Official published appellate authority identifies June 15, 1981 as the effective date of New York’s 9% rate. The Fair Consumer Judgment Interest Act created the 2% natural-person consumer-debt branch beginning April 30, 2022. The dataset does not claim a complete pre-1981 timeline.

→ Calculate interest at this rate

→ See New York’s prejudgment interest rate (interest before judgment — different rules)

Statutory basis & carve-outs. CPLR 5004(a) supplies a 9% annual general rate, which official published appellate authority identifies as effective June 15, 1981. Covered consumer debt against a natural person uses 2% from April 30, 2022; a specific statute or sufficiently explicit post-judgment contract term can also control. New York courts treat the CPLR 5001–5004 framework as simple interest. Verify the applicable branch; not legal advice.

Official authorities used for this analysis

Current recorded observation

One current observation is on record; this page does not claim complete historical coverage. All recorded observations are in the JSON API.
Effective date	Rate	Basis
June 15, 1981	9%	Statute

Source & provenance

Observation recorded August 21, 2026 (00:00 UTC) from the cited source (New York State Senate (official statute and enacted bill text)):
https://www.nysenate.gov/legislation/laws/CVP/5004

Cite this page

StatuteRates. “New York Judgment Interest Rate.” StatuteRates.com. Accessed today. https://statuterates.com/rates/new-york-judgment-rate/ Rate recorded under CPLR 5003 and 5004(a), effective June 15, 1981.

Reference data only — not legal, tax, or financial advice. Always confirm the controlling value against the controlling official source and, where applicable, the governing statute or court before relying on it.