The federal funds rate in the United States stands at 3.63 % as of July 2026, according to data from the Federal Reserve Economic Data (FRED).
The rate has not changed from the prior period, remaining at 3.63 %.
This unchanged rate indicates that the Federal Reserve is maintaining its current monetary policy stance. For residents, this means that borrowing costs are likely to remain stable, affecting everything from mortgage rates to credit card interest. Businesses and consumers can expect consistent financial conditions, which may support steady economic activity without significant shifts in lending or saving behaviors.
