2026 Michigan judgment & prejudgment interest rates
Current 2026 snapshot: Michigan post-judgment interest is 4.959% per year; the recorded prejudgment reference is 4.959% per year.
Everything Michigan charges in interest on a money judgment or an overdue debt, in one place — the rate after judgment and the rate before it, each recorded with a cited source and linked to its full page with observations, scope, and known carve-outs.
| Metric | Rate or rule | Effective | Authority | Basis |
|---|---|---|---|---|
| Post-judgment interest | 4.959% | July 1, 2026 | MCL §600.6013 | Published reference |
| Prejudgment interest | 4.959% | July 1, 2026 | MCL 600.6013 | Formula rate |
Post-judgment interest
Michigan's post-judgment interest rate is 4.959% per year. For the general MCL 600.6013(8) branch, Michigan’s current rate is 4.959%: the State Treasurer’s five-year Treasury benchmark for the period beginning July 1, 2026, plus one percentage point. General interest usually runs from complaint filing through satisfaction and compounds annually. Written instruments, future damages, tort settlement offers, medical-malpractice cases, and older complaint dates can follow different rules, so this page is a verified reference rather than a payoff calculator.
→ Full Michigan post-judgment page — MCL §600.6013, effective-date history, scope, and official source.
Prejudgment interest
Michigan's prejudgment interest rate is 4.959% per year (formula rate). Michigan uses MCL 600.6013 for the complaint-to-judgment portion as well as post-judgment interest. The general subsection (8) reference is currently 4.959%: the official five-year Treasury benchmark plus one point, compounded annually. The statute applies calculation intervals from complaint filing; the January and July dates are certificate dates, not a complete payoff schedule.
→ Full Michigan prejudgment page — MCL 600.6013, when it applies, accrual, compounding, and carve-outs.
Frequently asked
What is the post-judgment interest rate in Michigan?
As of July 1, 2026, the Michigan post-judgment interest rate is 4.959% per year. Michigan’s Treasury-based general branch, complaint-date rules, and exceptions.
What is the prejudgment interest rate in Michigan?
Michigan's prejudgment interest rate is 4.959% per year (formula rate). The general MCL 600.6013 path runs from complaint filing, but complaint vintage, written instruments, future damages, tort settlement offers, and medical-malpractice provisions can change the treatment.
Is Michigan judgment interest simple or compound, and when does it start?
Interest under the general and current written-instrument branches compounds annually. The statute calculates the general path in six-month intervals from complaint filing using benchmark rates certified for January 1 and July 1. Exact interval, anniversary, day-count, partial-payment, and branch mechanics remain withheld from calculation. The general statute runs interest from complaint filing through satisfaction. For covered complaints, subsection (1) excludes the future-damages component between complaint filing and judgment entry; that component begins accruing at judgment.
Cite this page
StatuteRates. “Michigan Judgment & Prejudgment Interest Rates.” StatuteRates.com. Accessed today. https://statuterates.com/states/michigan/ Each rate includes a cited source and recorded effective date; confirm the controlling authority before use.
Compare every state on the state interest-rate index and the prejudgment interest index, or enter a confirmed rate in the judgment interest and per-diem calculator. Reference data only — not legal advice.