dcsimg
We research, you save.

Federal Funds Rate: Current Rates, Historical Rates and Graph

HSH.com

Federal Funds Rate: Current Rates, Historical Rates and Graph

This graph lists the stated Federal Funds rate, as released by the Federal Reserve.
Last change to this rate: 12/16/15
Click here to find out how it may affect you.

Does the Federal Funds rate affect mortgage rates? Click here to find out.

Federal Funds rate

HSH grants permission to utilize this graph,
providing that the graph and its contents are not altered in any way.

Click here for a list of indexes for Adjustable Rate Mortgages.

Here are the figures from which the graph was derived.

DateChange
(Basis Points)
Increase  Decrease
Level
(Percent)
2015
December 16
25...0.50
2008
December 16
October 29
October 8
September 16
August 5
June 25
April 30
March 18
January 30
January 22
...
...
...
...
...
...
...
...
...
...
75
50
50
...
...
...
25
75
50
75
0.25
1.00
1.50
2.00
2.00
2.00
2.00
2.25
3.00
3.50
2007
December 11
October 31
September 18
August 7
June 28
May 9
March 21
January 31
...
...
...
...
...
...
...
...
25
25
50
...
...
...
...
...
4.25
4.50
4.75
5.25
5.25
5.25
5.25
5.25
2006
December 12
October 25
September 20
August 8
June 29
May 10
March 28
January 31

...
...
...
...
25
25
25
25

...
...
...
...
...
...
...
...

5.25
5.25
5.25
5.25
5.25
5.00
4.75
4.50
2005
December 13
November 1
September 20
August 9
June 30
May 3
March 22
February 2

25
25
25
25
25
25
25
25

...
...
...
...
...
...
...
...

4.25
4.00
3.75
3.50
3.25
3.00
2.75
2.50
2004
December 14
November 11
September 21
August 11
June 30

25
25
25
25
25

...
...
...
...
...

2.25
2.00
1.75
1.50
1.25
2003
June 25

...

25

1.00
2002
November 6

...

50

1.25
2001
December 11
November 6
October 2

...

25
50
50

1.75
2.00
2.50

More help from HSH.com

  • 7 reasons to refinance now

    Falling rates bring new chances for homeowners to refinance, while also allowing potential homebuyers to qualify for larger mortgage loans without increasing their monthly payment.
  • 12 essential tax questions for homeowners

    Knowing the answers to these 12 critical tax questions will help homeowners keep their tax bill as low as possible.
  • Mortgage Rates Radar 02/09/2016: Fixed Rates Fall to April 2015 Levels

    HSH.com releases its latest Weekly Mortgage Rates Radar showing that the 2016 downturn for mortgage rates continues unabated, as financial market turbulence and slow economic growth continue to drive rates downward. The Weekly Mortgage Rates Radar reports the average rates and points offered by lenders for the two most popular types of mortgages, the conforming 30-year fixed-rate mortgage and the conforming 5/1 adjustable-rate mortgage (ARM).
  • 12 ways to get the lowest mortgage refinance rates

    To get the lowest mortgage refinance rates, first prepare your finances and then shop for interest rates with certain strategies in mind. Here are 12 ways to ensure you lock in the lowest refinance rate possible.
  • How to avoid a VA foreclosure

    If you're in a VA mortgage and finding it increasingly difficult (or impossible) to make your mortgage payments, you'll need to take action if you want to keep your home from falling into foreclosure.