The federal funds rate in the United States stands at 3.63 % as of June 2026, according to data from the Federal Reserve Economic Data (FRED).
The rate has not changed from the prior period, remaining at 3.63 %.
An unchanged federal funds rate typically indicates that the Federal Reserve is maintaining its current monetary policy stance. For residents, this means borrowing costs for loans such as mortgages and auto loans are likely to remain stable. Savers may also see consistent returns on interest-bearing accounts. Overall, the steady rate suggests a period of economic stability without immediate changes in interest rates.
