AMERIBOR Term-30 Derived Interest Rate Index
This dataset tracks ameribor term-30 derived interest rate index over time.
Latest Value
4.38
Year-over-Year Change
-0.41%
Date Range
3/15/2021 - 8/6/2025
Summary
The AMERIBOR Term-30 Derived Interest Rate Index represents a 30-day benchmark interest rate derived from actual transactions in the wholesale lending market. This index provides a market-based alternative to traditional reference rates like LIBOR, reflecting the true cost of borrowing for financial institutions.
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 transparent, transaction-based interest rate benchmark developed by the American Financial Exchange. It captures the actual borrowing costs for banks and financial institutions, offering a more dynamic and real-world representation of short-term lending rates.
Methodology
The index is calculated using actual lending transactions between financial institutions, aggregating and averaging the rates from these wholesale market exchanges.
Historical Context
Policymakers and financial institutions use this index to understand short-term lending dynamics and assess market liquidity conditions. It serves as an important indicator of financial market health and potential economic stress.
Key Facts
- Developed as a market-driven alternative to LIBOR
- Based on actual transaction data from financial exchanges
- Provides transparency in wholesale lending markets
- Reflects real-time borrowing costs for financial institutions
FAQs
Q: How is AMERIBOR different from LIBOR?
A: AMERIBOR is based on actual transactions, while LIBOR was historically based on bank submissions, making AMERIBOR more transparent and reflective of real market conditions.
Q: Who uses the AMERIBOR Term-30 Index?
A: Banks, financial institutions, economists, and policymakers use this index to understand short-term lending rates and market liquidity.
Q: How often is the AMBOR30T index updated?
A: The index is typically updated daily, reflecting the most recent wholesale lending transactions in the financial market.
Q: Why is the AMERIBOR rate important?
A: It provides a more accurate and transparent benchmark for short-term lending rates, helping financial institutions price loans and assess market conditions.
Q: Can individual investors use the AMBOR30T index?
A: While primarily used by financial institutions, individual investors can track the index to understand broader market lending trends and economic conditions.
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Citation
U.S. Federal Reserve, AMERIBOR Term-30 Derived Interest Rate Index [AMBOR30T], retrieved from FRED.
Last Checked: 8/1/2025