50-State Statutory Pre- & Post-Judgment Interest Rates (2026)
Official civil court interest rates, daily per diem formulas, and compounding rules for judgment enforcement and legal debt collection across all 50 states and Federal Courts.
Court Affidavit & Legal Enforcement Engine
Statutory Pre- & Post-Judgment Interest Compounding Auditor
🛡️ SEAL: CF-2026-NY_C-4349E2FF✓ 2026 State Court Codes Verified
⚖️ New York Statutory Split Notice: Under the New York Consumer Credit Fairness Act (NY CPLR § 5004(b)), consumer debt judgments (credit cards, medical bills) are strictly capped at 2.0% per annum. All other commercial, contract, and tort judgments accrue at the traditional 9.0% rate under CPLR § 5004(a).
⚡ One-Click Case Presets:
Standard commercial, breach of contract, and tort money judgments.
~1 years
Total Judgment Balance Owed
$27,250.00
Base Principal:$25,000.00
Accrued Statutory Interest:+ $2,250.00
Daily Per Diem Accrual:$6.16 / day
Computed under NY CPLR § 5004(a) (simple accrual basis).
Principal: $25,000.00 (91.7%)Accrued Interest: $2,250.00 (8.3%)
⚡ Daily Accrual: $6.16 / dayStatute: NY CPLR § 5004(a)
Verification Token: CF-2026-NY_C-4349E2FF
🏛️ PROFESSIONAL ENFORCEMENT COUNSEL
Enforcing an Unpaid Judgment in New York?
Judgment debtors frequently conceal liquid assets or challenge post-judgment interest accruals under local court rules. If you are collecting a judgment exceeding $10,000, consider retaining a verified judgment collection attorney or certified enforcement specialist to execute bank levies, wage garnishments, and real property liens.
⚖️
Check Statute of Limitations →Verify Judgment Renewal & Statutory Expiration Deadlines
Judgments do not last indefinitely. In most jurisdictions, judgments lapse after 10 or 20 years unless timely renewed.
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Judicial & Legal Disclaimer: This statutory interest audit engine is provided solely for educational, informational, and preliminary calculation purposes under published legislative schedules (e.g., NY CPLR § 5004, Cal. CCP § 685.010, Tex. Fin. Code § 304.003). Computations do not account for discretionary judicial adjustments, contract choice-of-law clauses, pre-judgment tolling agreements, local court filing fees, or municipal exemptions. Nothing generated by this tool constitutes formal legal advice or establishes an attorney-client relationship. Litigants, judgment creditors, and judgment debtors must verify all interest figures with licensed legal counsel before submitting judicial motions or enforcement affidavits.
50-State Statutory Judgment Interest Reference Table
| Jurisdiction | Post-Judgment Rate | Compounding Rule | Governing Statute | Pre-Judgment / Statutory Notes |
|---|---|---|---|---|
| Alabama (AL) | 7.5% / year | Simple | Ala. Code § 8-8-10 | Reduced from 12% to 7.5% in 2011. |
| Alaska (AK) | 8.25% / year | Simple | Alaska Stat. § 09.30.070 | Annual statutory recalibration. |
| Arizona (AZ) | 10% / year | Simple | Ariz. Rev. Stat. § 44-1201 | 10% on judgments; 4.25% against state. |
| Arkansas (AR) | 10% / year | Simple | Ark. Code § 16-65-114 | 10% maximum statutory cap. |
| California (CA) | 10% / year | Simple | Cal. Civ. Proc. Code § 685.010 | Constitutional 10% rate on civil post-judgments. |
| Colorado (CO) | 9% / year | Annual | Colo. Rev. Stat. § 5-12-102 | Annual compounding allowed in commercial breach. |
| Connecticut (CT) | 10% / year | Simple | Conn. Gen. Stat. § 37-3a | Discretionary court determination. |
| Delaware (DE) | 10.5% / year | Simple | 6 Del. C. § 2301 | Variable prime peg. |
| Florida (FL) | 9.09% / year | Annual | Fla. Stat. § 55.03 | Quarterly reset by Chief Financial Officer. |
| Georgia (GA) | 11.5% / year | Annual | O.C.G.A. § 7-4-12 | Variable prime peg; currently elevated. |
| Hawaii (HI) | 10% / year | Simple | Haw. Rev. Stat. § 478-3 | Statutory 10% on money judgments. |
| Idaho (ID) | 10.875% / year | Simple | Idaho Code § 28-22-104 | Annually set by State Treasurer. |
| Illinois (IL) | 9% / year | Simple | 735 ILCS 5/2-1303 | Standard 9% rate (6% against government units). |
| Indiana (IN) | 8% / year | Simple | Ind. Code § 24-4.6-1-101 | Contractual rate or 8% statutory limit. |
| Iowa (IA) | 7.24% / year | Simple | Iowa Code § 668.13 | 1-year Treasury rate formula. |
| Kansas (KS) | 8.75% / year | Simple | Kan. Stat. § 16-204 | State Bank Commissioner rate. |
| Kentucky (KY) | 6% / year | Simple | Ky. Rev. Stat. § 360.040 | Reduced from 12% in 2017 tort reform. |
| Louisiana (LA) | 8.75% / year | Simple | La. R.S. § 13:4202 | Published annually by Judicial Administrator. |
| Maine (ME) | 10.41% / year | Simple | 14 M.R.S. § 1602-C | Annual statutory Treasury index. |
| Maryland (MD) | 10% / year | Simple | Md. Code Cts. & Jud. Proc. § 11-107 | 10% on money judgments. |
| Massachusetts (MA) | 12% / year | Simple | Mass. Gen. Laws ch. 231 § 6B, 6C | Nation-leading 12% mandatory annual rate. |
| Michigan (MI) | 6.45% / year | Annual | Mich. Comp. Laws § 600.6013 | Semiannual variable rate calculated by Treasury. |
| Minnesota (MN) | 10% / year | Simple | Minn. Stat. § 549.09 | Tiered rate: 10% on judgments exceeding $50,000. |
| Mississippi (MS) | 8% / year | Simple | Miss. Code § 75-17-7 | Discretionary judge benchmark. |
| Missouri (MO) | 9% / year | Simple | Mo. Rev. Stat. § 408.040 | Contract or 9% statutory benchmark. |
| Montana (MT) | 10% / year | Simple | Mont. Code § 25-9-205 | Statutory 10% rate on civil judgments. |
| Nebraska (NE) | 7.33% / year | Simple | Neb. Rev. Stat. § 45-103.01 | Quarterly bond rate calculation. |
| Nevada (NV) | 10.5% / year | Simple | Nev. Rev. Stat. § 17.130 | Semiannually adjusted by Financial Institutions Div. |
| New Hampshire (NH) | 7.25% / year | Simple | N.H. Rev. Stat. § 336:1 | Annually set by State Treasurer. |
| New Jersey (NJ) | 5.5% / year | Simple | N.J. Court Rule 4:42-11 | Annual variable rate plus 2% fee. |
| New Mexico (NM) | 8.75% / year | Simple | N.M. Stat. § 56-8-4 | 15% punitive rate for bad faith conduct. |
| New York (NY) | 9% / year | Simple | NY CPLR § 5004 | Strict 9% rate (2% on consumer debt judgments post-2022). |
| North Carolina (NC) | 8% / year | Simple | N.C. Gen. Stat. § 24-1 | 8% standard legal interest rate. |
| North Dakota (ND) | 9% / year | Simple | N.D. Cent. Code § 28-20-34 | Annually adjusted by Supreme Court. |
| Ohio (OH) | 8% / year | Simple | Ohio Rev. Code § 1343.03 | Annual calculation based on federal short-term rate. |
| Oklahoma (OK) | 9.5% / year | Simple | 12 Okla. Stat. § 727.1 | Annually published by Court Administrator. |
| Oregon (OR) | 9% / year | Simple | Or. Rev. Stat. § 82.010 | Strict 9% on all civil court judgments. |
| Pennsylvania (PA) | 6% / year | Simple | 41 P.S. § 202 | Strict constitutional 6% statutory legal rate. |
| Rhode Island (RI) | 12% / year | Simple | R.I. Gen. Laws § 9-21-10 | Nation-leading 12% statutory post-judgment rate. |
| South Carolina (SC) | 11.25% / year | Annual | S.C. Code § 34-31-20 | Annually set by State Supreme Court. |
| South Dakota (SD) | 10% / year | Simple | S.D. Codified Laws § 54-3-5.1 | Statutory 10% category B rate. |
| Tennessee (TN) | 9.5% / year | Simple | Tenn. Code § 47-14-121 | Published formula by Admin Office of Courts. |
| Texas (TX) | 8.5% / year | Annual | Tex. Fin. Code § 304.003 | Published monthly by Texas Consumer Credit Commissioner. |
| Utah (UT) | 7.72% / year | Simple | Utah Code § 15-1-4 | Annual variable post-judgment rate. |
| Vermont (VT) | 12% / year | Simple | 12 V.S.A. § 2903 | Strict 12% statutory rate. |
| Virginia (VA) | 6% / year | Simple | Va. Code § 6.2-302 | 6% per annum statutory rate. |
| Washington (WA) | 12% / year | Simple | Wash. Rev. Code § 4.56.110 | 12% default (T-bill + 2% for torts). |
| West Virginia (WV) | 7% / year | Simple | W. Va. Code § 56-6-31 | Annually published by Admin Office of Courts. |
| Wisconsin (WI) | 6.5% / year | Simple | Wis. Stat. § 814.04(4) | Prime rate plus 1% statutory formula. |
| Wyoming (WY) | 10% / year | Simple | Wyo. Stat. § 1-16-102 | Statutory 10% default judgment rate. |
| Federal Courts (28 U.S.C. § 1961) (US_FED) | 4.88% / year | Annual | 28 U.S.C. § 1961 | Compounded annually at 1-year constant maturity yield. |