1-800-22-LOANS

Fed Rates

You may download recent Federal Interest Rates in Adobe PDF format below.

     
 
Download Link Date Published
Click Here To Download Apr 15, 2010
Click Here To Download Mar 15, 2010
Click Here To Download Oct 15, 2009
Click Here To Download Mar 13, 2009
Click Here To Download Feb 13, 2009
Click Here To Download Dec 15, 2008
Click Here To Download Nov 14, 2008
Click Here To Download Oct 15, 2008
Click Here To Download Jun 13, 2008
Click Here To Download Apr 15, 2008
Click Here To Download Mar 14, 2008
Click Here To Download Jan 15, 2008
Click Here To Download Dec 14, 2007
Click Here To Download Nov 15, 2007
Click Here To Download Sep 14, 2007
Click Here To Download Aug 15, 2007
Click Here To Download Jul 13, 2007
Click Here To Download May 15, 2007
Click Here To Download Apr 13, 2007
Click Here To Download Mar 15, 2007
Click Here To Download Feb 15, 2007
Click Here To Download Jan 16, 2007
Click Here To Download Dec 15, 2006
Click Here To Download Nov 15, 2006
Click Here To Download Oct 16, 2006
Click Here To Download Sep 15, 2006
Click Here To Download Aug 15, 2006
Click Here To Download Jul 14, 2006
 
     

The above yields on Treasury securities may be used to help determine whether a specific loan is subject to the "high-rate, high-fee" rules under section 226.32 of Regulation Z, implementing the Home Ownership and Equity Protection Act (HOEPA) and under state statutes including California Financial Code § 4970 et seq., the "covered-loans".

To determine the yield on comparable Treasury securities for the APR test, lenders may use the yield on actively traded issues adjusted to constant maturities published in the Federal Reserve Board’s “Selected Interest Rates” (statistical release H-15). They must use the yield corresponding to the constant maturity closest to the loan’s maturity. If the loan’s maturity is exactly halfway between security maturities, the APR on the loan should be compared with the yield for Treasury securities having the lower yield.

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