30-Day Moving Average AMERIBOR Benchmark Interest Rate
This dataset tracks 30-day moving average ameribor benchmark interest rate over time.
Latest Value
4.44
Year-over-Year Change
0.03%
Date Range
6/19/2019 - 8/6/2025
Summary
The 30-Day Moving Average AMERIBOR Benchmark Interest Rate tracks the average lending costs for short-term interbank transactions in the U.S. financial market. This metric provides critical insights into bank lending conditions and short-term borrowing costs.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
AMERIBOR (American Interbank Offered Rate) is a market-driven benchmark that reflects the true borrowing costs for American banks. Unlike LIBOR, it is based on actual transactions in the interbank lending market and represents a more transparent alternative for financial institutions.
Methodology
The rate is calculated by aggregating and averaging actual lending transactions among American banks over a 30-day rolling period, weighted by transaction volume.
Historical Context
Financial institutions and policymakers use this benchmark to assess lending conditions, inform loan pricing, and understand short-term credit market dynamics. It serves as an important indicator of banking sector health and liquidity.
Key Facts
- Developed as an alternative to LIBOR after global benchmark manipulation scandals
- Reflects actual transaction data from American banks
- Used by financial institutions for loan pricing and risk assessment
- Provides more transparent and market-driven lending rate information
FAQs
Q: How is AMERIBOR different from LIBOR?
A: AMERIBOR is based on actual transaction data from American banks, while LIBOR was historically based on estimated rates and was subject to manipulation.
Q: Who uses the AMERIBOR benchmark?
A: Banks, financial institutions, loan originators, and economic researchers use AMERIBOR to understand lending conditions and price financial products.
Q: How often is the AMERIBOR rate calculated?
A: The 30-day moving average is continuously updated, providing a rolling snapshot of current interbank lending costs.
Q: Why is the 30-day moving average important?
A: The moving average smooths out daily fluctuations, providing a more stable and representative view of short-term lending rates.
Q: Can individual investors use AMERIBOR data?
A: While primarily used by financial institutions, investors can track AMERIBOR as an economic indicator of banking sector health and lending conditions.
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Citation
U.S. Federal Reserve, 30-Day Moving Average AMERIBOR Benchmark Interest Rate [AMBOR30], retrieved from FRED.
Last Checked: 8/1/2025