Applicable Federal Rate (AFR)
Each month the Internal Revenue Service surveys hundreds of interest rates for various financial instruments and publishes the Applicable Federal Rate (AFR) that is applicable for charitable deduction calculations.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | |
| 2024 | 5.2 | 4.8 | 5.0 | 5.2 | 5.4 | 5.6 | 5.4 | 5.2 | 4.8 | 4.4 | ||
| 2023 | 4.6 | 4.6 | 4.4 | 5.0 | 4.4 | 4.2 | 4.6 | 5.0 | 5.0 | 5.4 | 5.6 | 5.8 |
| 2022 | 1.6 | 1.6 | 2.0 | 2.2 | 3.0 | 3.6 | 3.6 | 3.8 | 3.6 | 4.0 | 4.8 | 5.2 |
| 2021 | 0.6 | 0.6 | 0.8 | 1.0 | 1.2 | 1.2 | 1.2 | 1.2 | 1.0 | 1.0 | 1.4 | 1.6 |
| 2020 | 2.0 | 2.2 | 1.8 | 1.2 | 0.8 | 0.6 | 0.6 | 0.4 | 0.4 | 0.4 | 0.4 | 0.6 |
| 2019 | 3.4 | 3.2 | 3.2 | 3.0 | 2.8 | 2.8 | 2.6 | 2.2 | 2.2 | 1.8 | 2.0 | 2.0 |
| 2018 | 2.6 | 2.8 | 3.0 | 3.2 | 3.2 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.6 | 3.6 |
| 2017 | 2.4 | 2.6 | 2.4 | 2.6 | 2.4 | 2.4 | 2.2 | 2.4 | 2.4 | 2.2 | 2.4 | 2.6 |
| 2016 | 2.2 | 2.2 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.4 | 1.4 | 1.6 | 1.6 | 1.8 |
| 2015 | 2.2 | 2.0 | 1.8 | 2.0 | 1.8 | 2.0 | 2.2 | 2.2 | 2.2 | 2.0 | 2.0 | 2.0 |
| 2014 | 2.2 | 2.4 | 2.2 | 2.2 | 2.4 | 2.2 | 2.2 | 2.2 | 2.2 | 2.2 | 2.2 | 2.0 |
| 2013 | 1.0 | 1.2 | 1.4 | 1.4 | 1.2 | 1.2 | 1.4 | 2.0 | 2.0 | 2.4 | 2.0 | 2.0 |
| 2012 | 1.4 | 1.4 | 1.4 | 1.4 | 1.6 | 1.2 | 1.2 | 1.0 | 1.0 | 1.2 | 1.0 | 1.2 |
| 2011 | 2.4 | 2.8 | 3.0 | 3.0 | 3.0 | 2.8 | 2.4 | 2.2 | 2.0 | 1.4 | 1.4 | 1.6 |
| 2010 | 3.0 | 3.4 | 3.2 | 3.2 | 3.4 | 3.2 | 2.8 | 2.6 | 2.4 | 2.0 | 2.0 | 1.8 |
| 2009 | 2.4 | 2.0 | 2.4 | 2.6 | 2.4 | 2.8 | 3.4 | 3.4 | 3.4 | 3.2 | 3.2 | 3.2 |
| 2008 | 4.4 | 4.2 | 3.6 | 3.4 | 3.2 | 3.8 | 4.2 | 4.2 | 4.2 | 3.8 | 3.6 | 3.4 |
| 2007 | 5.6 | 5.6 | 5.8 | 5.6 | 5.6 | 5.6 | 6.0 | 6.2 | 5.8 | 5.2 | 5.2 | 5.0 |
| 2006 | 5.4 | 5.2 | 5.4 | 5.6 | 5.8 | 6.0 | 6.0 | 6.2 | 6.0 | 5.8 | 5.6 | 5.8 |
| 2005 | 4.6 | 4.6 | 4.6 | 5.0 | 5.2 | 4.8 | 4.6 | 4.8 | 5.0 | 5.0 | 5.0 | 5.4 |
| 2004 | 4.2 | 4.2 | 4.0 | 3.8 | 3.8 | 4.6 | 5.0 | 4.8 | 4.6 | 4.4 | 4.2 | 4.2 |
| 2003 | 4.2 | 4.0 | 3.8 | 3.6 | 3.8 | 3.6 | 3.0 | 3.2 | 4.2 | 4.4 | 4.0 | 4.2 |
| 2002 | 5.4 | 5.6 | 5.4 | 5.6 | 6.0 | 5.8 | 5.6 | 5.2 | 4.6 | 4.2 | 3.6 | 4.0 |
| 2001 | 6.8 | 6.2 | 6.2 | 6.0 | 5.8 | 6.0 | 6.2 | 6.0 | 5.8 | 5.6 | 5.0 | 4.8 |
| 2000 | 7.4 | 8.0 | 8.2 | 8.0 | 7.8 | 8.0 | 8.0 | 7.6 | 7.6 | 7.4 | 7.2 | 7.0 |
| 1999 | 5.6 | 5.6 | 5.8 | 6.4 | 6.2 | 6.4 | 7.0 | 7.2 | 7.2 | 7.2 | 7.4 | 7.4 |
| 1998 | 7.2 | 6.8 | 6.8 | 6.8 | 6.8 | 7.0 | 6.8 | 6.8 | 6.6 | 6.2 | 5.4 | 5.4 |
| 1997 | 7.4 | 7.6 | 7.8 | 7.8 | 8.2 | 8.2 | 8.0 | 7.6 | 7.6 | 7.6 | 7.4 | 7.2 |
| 1996 | 6.8 | 6.8 | 6.6 | 7.0 | 7.6 | 8.0 | 8.2 | 8.2 | 8.0 | 8.0 | 8.0 | 7.6 |
| 1995 | 9.6 | 9.6 | 9.4 | 8.8 | 8.6 | 8.2 | 7.6 | 7.2 | 7.6 | 7.6 | 7.4 | 7.2 |
| 1994 | 6.4 | 6.4 | 6.4 | 7.0 | 7.8 | 8.4 | 8.2 | 8.4 | 8.4 | 8.6 | 9.0 | 9.4 |
| 1993 | 7.6 | 7.6 | 7.0 | 6.6 | 6.6 | 6.4 | 6.6 | 6.4 | 6.4 | 6.0 | 6.0 | 6.2 |
| 1992 | 8.2 | 7.6 | 8.0 | 8.4 | 8.6 | 8.4 | 8.2 | 7.8 | 7.2 | 7.0 | 6.8 | 7.4 |
| 1991 | 9.8 | 9.6 | 9.4 | 9.6 | 9.6 | 9.6 | 9.6 | 9.8 | 9.6 | 9.0 | 8.6 | 8.6 |
| 1990 | 9.6 | 9.8 | 10.2 | 10.6 | 10.6 | 11.0 | 10.6 | 10.4 | 10.2 | 10.6 | 10.6 | 10.2 |
| 1989 | 10.0 | 10.0 | 10.0 | 10.0 | 11.6 | 11.2 | 10.6 | 10.0 | 9.6 | 10.2 | 10.0 | 9.8 |
