Overnight Unsecured AMERIBOR Benchmark Interest Rate
This dataset tracks overnight unsecured ameribor benchmark interest rate over time.
Latest Value
4.44
Year-over-Year Change
0.11%
Date Range
12/11/2015 - 8/6/2025
Summary
The AMERIBOR is an unsecured overnight lending benchmark that reflects the actual borrowing costs for American banks. It provides an alternative to traditional reference rates like LIBOR, offering a more market-driven representation of short-term lending rates.
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 represents the average overnight unsecured lending rate among American banks, calculated through actual interbank transactions. It is designed to capture the true cost of bank funding and provide a transparent, market-based interest rate benchmark.
Methodology
The rate is calculated using a volume-weighted average of unsecured overnight lending transactions among participating American banks.
Historical Context
Financial institutions and policymakers use AMERIBOR to assess short-term lending conditions and make informed decisions about monetary policy and bank funding strategies.
Key Facts
- Developed by the American Financial Exchange
- Provides an alternative to LIBOR
- Reflects actual interbank lending transactions
- Used by regional and community banks
FAQs
Q: How is AMERIBOR different from LIBOR?
A: AMERIBOR is based on actual transactions among American banks, while LIBOR was historically based on bank submissions and has been phased out.
Q: Who uses the AMERIBOR rate?
A: Regional banks, financial institutions, and economists use AMERIBOR to understand short-term lending costs and market conditions.
Q: When was AMERIBOR introduced?
A: AMERIBOR was launched in 2015 as a market-driven alternative to traditional benchmark rates.
Q: How often is the AMERIBOR rate calculated?
A: The rate is calculated daily based on actual overnight lending transactions among participating banks.
Q: Is AMERIBOR regulated?
A: AMERIBOR is overseen by the American Financial Exchange and follows strict market-based calculation methodologies.
Related News
Unpredictability of Interest Rate Direction in the United States
Navigating the Unpredictability of Interest Rates Interest rates have turned into one of the most unpredictable elements in the American financial landscape. This unpredictability stems largely from the nuanced decisions of the Federal Reserve, often referred to as the Fed, whose policies ripple through financial markets, influencing borrowing costs for everyone from ambitious entrepreneurs to families securing mortgages. The web of economic indicators, which serves as the backbone for interest
US Housing Giant Hopes Fed Policies Boost Sagging Profits
Revitalizing S&P 500 Housing with Federal Reserve Policies The primary keyword, "Treasury Yield," has become an increasingly critical focus within the realm of the S&P 500 housing market. Current fluctuations in bond rates, particularly the 10-year bond rate, are causing waves in the already volatile US housing market. This situation is marked by a profit decline experienced by major housing giants, as economic uncertainty steers investor confidence. The Federal Reserve's policies and interest
Impact of U.S. Treasury Yields Rise After Fed Rate Cut
The Impact of a Treasury Yield Rise on the U.S. Economy After a Fed Rate Cut The current rise in the 10-year Treasury bond rate has caught the attention of economists, investors, and policymakers alike. Treasury yields, particularly the 10-year Treasury bond rate, act as a key indicator of the economic outlook in the United States. They affect interest rates, the bond market, and expectations for inflation. Understanding their fluctuations can offer insight into financial markets and help guide
U.S. Jobless Claims Spike, Followed By Decline, Layoffs Remain Low
U.S. Jobless Claims Spike and Decline: Insights into Labor Market Trends U.S. jobless claims recently spiked, only to decline soon after, highlighting interesting patterns in the labor market. At the heart of these shifts lies a tale of layoffs and employment dynamics that paint a picture of the U.S. economy's current state. These fluctuations in jobless claims explain broader economic metrics like the unemployment rate and employment rate. This overview offers a window into the complex interpl
U.S. Treasury Yields Rise After Fed Rate Cut Analysis
Treasury Yields Surge: A Curious Twist in Monetary Policy Amid a surprising financial twist, the current 10 year treasury rate is on the rise even as the Federal Reserve cuts interest rates. This unexpected development has economists scratching their heads, as typically, a cut in the Federal funds rate leads to lower yields. Treasury yields represent the interest rate the government pays bondholders, functioning as a vital signpost for the health of the economy. Generally perceived as one of th
Understanding the Federal Reserve's Dot Plot for Interest Rate Predictions
Unveiling the Federal Reserve Dot Plot: A Crucial Tool for Interest Rate Forecasting The Federal Reserve dot plot is a critical tool in understanding how the central bank projects future interest rates and shapes US monetary policy. By examining the dot plot, policymakers and economists gain insights into the anticipated direction of interest rates, guiding financial markets and influencing economic forecasts. Its significance is often highlighted during Federal Open Market Committee (FOMC) mee
Related Trends
Consumer Price Index for All Urban Consumers: All Items in U.S. City Average
CPIAUCNS
Capacity Utilization: Total Index
TCU
Commercial and Industrial Loans, All Commercial Banks
TOTCI
Share of Foreign Born in Home Owners Loan Corporation (HOLC) Neighborhood A
RLMSHFBHOLCNA
Home Ownership Rate in Home Owners Loan Corporation (HOLC) Neighborhood C
RLMSHHORHOLCNC
Share of Foreign Born in Home Owners Loan Corporation (HOLC) Neighborhood C
RLMSHFBHOLCNC
Citation
U.S. Federal Reserve, Overnight Unsecured AMERIBOR Benchmark Interest Rate [AMERIBOR], retrieved from FRED.
Last Checked: 8/1/2025