90-Day Moving Average AMERIBOR Benchmark Interest Rate
This dataset tracks 90-day moving average ameribor benchmark interest rate over time.
Latest Value
4.44
Year-over-Year Change
-0.04%
Date Range
6/19/2019 - 8/10/2025
Summary
The 90-Day Moving Average AMERIBOR Benchmark Interest Rate tracks the average short-term lending rates among U.S. banks over a rolling 90-day period. This metric provides critical insight into the cost of interbank borrowing and overall lending market conditions.
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) represents a market-driven benchmark that reflects actual lending costs among financial institutions. Unlike LIBOR, it is based on unsecured transactions between banks and provides a more transparent view of borrowing costs.
Methodology
The rate is calculated by aggregating actual transaction data from a broad range of U.S. banks, then computing a 90-day moving average to smooth out short-term fluctuations.
Historical Context
Financial institutions and policymakers use this benchmark to assess lending market health and make decisions about credit pricing and monetary policy adjustments.
Key Facts
- Represents actual lending transactions between banks
- Provides more market-driven data compared to traditional benchmarks
- Used by financial institutions for credit pricing
- Reflects real-time lending market conditions
FAQs
Q: How is AMERIBOR different from LIBOR?
A: AMERIBOR is based on actual transaction data from U.S. banks, while LIBOR was historically based on estimated rates, making AMERIBOR more transparent and market-reflective.
Q: Why do banks use the 90-day moving average?
A: The 90-day moving average helps smooth out daily fluctuations and provides a more stable, representative view of lending market conditions.
Q: Who calculates the AMERIBOR rate?
A: The American Financial Exchange (AFX) calculates AMERIBOR based on actual unsecured lending transactions among participating banks.
Q: Is AMERIBOR an official government rate?
A: No, AMERIBOR is a market-driven benchmark developed by financial institutions, not a government-set rate.
Q: How frequently is the AMBOR90 updated?
A: The 90-day moving average is typically updated daily, reflecting the most recent lending transaction data.
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Citation
U.S. Federal Reserve, 90-Day Moving Average AMERIBOR Benchmark Interest Rate [AMBOR90], retrieved from FRED.
Last Checked: 8/1/2025