07/31/2026
July Applicable Federal Rates
Annual Semiannual Quarterly Monthly
Short-term (≤ 3 years) 4.00% 3.96% 3.94% 3.93%
Mid-term (> 3 years but ≤ 9 years) 4.35% 4.30% 4.28% 4.26%
Long-term (> 9 years) 4.98% 4.92% 4.89% 4.87%