Texas Judgment Interest Rate
United States Interest on Texas money judgments — tied to the prime rate.
→ All Texas judgment & prejudgment interest rates
Current rate
6.75% per year, effective July 1, 2026 Set by statute
Texas post-judgment interest on most money judgments is the Federal Reserve prime rate, held within a 5% floor and 15% ceiling under Texas Finance Code §304.003 — currently 6.75%. The rate locks in when the judgment is entered and, unusually, compounds annually. Judgments on a contract that sets its own interest rate follow §304.002 instead (the contract rate, capped at 18%).
→ See Texas’s prejudgment interest rate (interest before judgment — different rules)
Statutory basis & carve-outs. Post-judgment interest on money judgments not on an interest-bearing contract, under Tex. Fin. Code §304.003: the Federal Reserve prime rate with a 5% floor and 15% cap — currently 6.75% (July 2026, published by the Texas OCCC). The rate is fixed at entry for the life of the judgment and COMPOUNDS ANNUALLY (§304.006). Judgments on a contract that sets interest instead use §304.002 (lesser of the contract rate or 18%). Verify the current period at occc.texas.gov; not legal advice.
Effective-date history
| Effective date | Rate | Basis |
|---|---|---|
| July 1, 2026 | 6.75% | Statute |
Source & provenance
Latest value retrieved July 11, 2026 (11:51 UTC) from the official source:
https://occc.texas.gov/publications/interest-rates/
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.