{"chart":{"slug":"federal-funds-rate","title":"What is the federal funds rate?","takeaway":"The federal funds rate averaged 3.63% a year in August 2026, down from 4.33% in August 2025. It is the rate banks charge each other for overnight loans, which the Federal Reserve steers to speed up or slow down the economy. It peaked at 19.1% in June 1981 and was near zero from December 2008 to 2015 and from April 2020 to March 2022. The series begins in July 1954.","topic":"Interest rates","chart_type":"line","ranking":false,"x_label":"Month","y_label":"Effective federal funds rate, % a year","unit":"percent","points_count":867,"source":{"name":"Federal Reserve Board, H.15 Selected Interest Rates (monthly averages)","url":"https://www.federalreserve.gov/releases/h15/"},"license":{"name":"Public domain (Federal Reserve Board; cite the Board as the source)","url":"https://www.federalreserve.gov/disclaimer.htm"},"data_as_of":"2026-09-30","updated_at":"2026-10-02T16:24:40.731Z","url":"https://chart.ly/charts/federal-funds-rate","api_url":"https://chart.ly/api/v1/charts/federal-funds-rate","csv_url":"https://chart.ly/charts/federal-funds-rate/data.csv","image_url":"https://chart.ly/charts/federal-funds-rate/image.png","embed_url":"https://chart.ly/charts/federal-funds-rate/embed","credit":"Federal Reserve Board, H.15 Selected Interest Rates (monthly averages), via Chartly (https://chart.ly/charts/federal-funds-rate)","credit_html":"Federal Reserve Board, H.15 Selected Interest Rates (monthly averages), via \u003ca href=\"https://chart.ly/charts/federal-funds-rate\"\u003eChartly\u003c/a\u003e","average_label":null,"zero_axis":true,"data":[{"label":"Jul 1954","value":0.8},{"label":"Aug 1954","value":1.22},{"label":"Sep 1954","value":1.07},{"label":"Oct 1954","value":0.85},{"label":"Nov 1954","value":0.83},{"label":"Dec 1954","value":1.28},{"label":"Jan 1955","value":1.39},{"label":"Feb 1955","value":1.29},{"label":"Mar 1955","value":1.35},{"label":"Apr 1955","value":1.43},{"label":"May 1955","value":1.43},{"label":"Jun 1955","value":1.64},{"label":"Jul 1955","value":1.68},{"label":"Aug 1955","value":1.96},{"label":"Sep 1955","value":2.18},{"label":"Oct 1955","value":2.24},{"label":"Nov 1955","value":2.35},{"label":"Dec 1955","value":2.48},{"label":"Jan 1956","value":2.45},{"label":"Feb 1956","value":2.5},{"label":"Mar 1956","value":2.5},{"label":"Apr 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