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Deposit Insurance Assessments

Interest Estimator

To allow banks to estimate interest on a prior period adjustment, the FDIC is making available a spreadsheet (“Interest Estimator”) on which a bank may enter its originally reported and amended information. The Interest Estimator contains interest rate information going back three years and will estimate the interest that will apply based on information that a bank enters.

Download the Interest Estimator - Excel (Excel Help) updated as of June 12, 2024.

Disclaimer: The Interest Estimator does not purport to predict actual interest amounts for underpayments or overpayments and should not be so construed. The purpose of this workbook is to allow an institution to estimate the interest amount on an overpayment or underpayment.

Interest Rates
Interest Rates
(Expressed as a percentage)
Days Covered 
Quarter / YearThe Day AfterThroughInterest Rate
First Quarter 2024June 28, 2024September 30, 2024

5.24%

Fourth Quarter 2023March 29, 2024June 28, 2024

5.23%

Third Quarter 2023December 29, 2023March 29, 2024

5.26%

Second Quarter 2023September 29, 2023December 29, 2023

5.33%

First Quarter 2023June 30, 2023September 29, 2023

5.18%

Fourth Quarter 2022March 30, 2023June 30, 2023

4.68%

Third Quarter 2022December 30, 2022March 30, 2023

4.35%

Second Quarter 2022September 30, 2022December 30, 2022

3.27%

First Quarter 2022June 30, 2022September 30, 2022

1.75%

Fourth Quarter 2021March 30, 2022June 30, 2022

0.61%

Third Quarter 2021December 30, 2021March 30, 2022

0.09%

Second Quarter 2021September 30, 2021December 30, 2021

0.04%

First Quarter 2021June 30, 2021September 30, 2021

0.05%

Fourth Quarter 2020March 30, 2021June 30, 2021

0.02%

Third Quarter 2020December 30, 2020March 30, 2021

0.10%

Second Quarter 2020September 30, 2020December 30, 2020

0.10%

First Quarter 2020June 30, 2020September 30, 2020

0.15%

Fourth Quarter 2019March 29, 2020June 30, 2020

0.09%

Third Quarter 2019December 30, 2019March 30, 2020

1.55%

Second Quarter 2019September 30, 2019December 30, 2019

1.88%

First Quarter 2019June 28, 2019September 30, 2019

2.13%

Fourth Quarter 2018March 29, 2019June 28, 2019

2.47%

Third Quarter 2018December 28, 2018March 30, 2019

2.52%

Second Quarter 2018September 28, 2018December 28, 2018

2.22%

First Quarter 2018June 29, 2018September 28, 2018

1.94%

Fourth Quarter 2017March 30, 2018June 29, 2018

1.79%

Third Quarter 2017December 29, 2017March 30, 2018

1.47%

Second Quarter 2017September 29, 2017December 29, 2017

1.07%

First Quarter 2017June 30, 2017September 29, 2017

1.02%

Fourth Quarter 2016March 30, 2017June 30, 2017

0.79%

Third Quarter 2016December 30, 2016March 30, 2017

0.56%

Second Quarter 2016September 30, 2016December 30, 2016

0.25%

First Quarter 2016June 30, 2016September 30, 2016

0.26%

Fourth Quarter 2015March 30, 2016June 30, 2016

0.30%

Third Quarter 2015December 30, 2015March 30, 2016

0.27%

Second Quarter 2015September 30, 2015December 30, 2015

0.02%

First Quarter 2015June 30, 2015September 30, 2015

0.02%

Fourth Quarter 2014March 30, 2015June 30, 2015

0.04%

Third Quarter 2014December 30, 2014March 30, 2015

0.04%

Second Quarter 2014September 30, 2014December 30, 2014

0.02%

First Quarter 2014June 30, 2014September 30, 2014

0.04%

Fourth Quarter 2013March 28, 2014June 30, 2014

0.05%

Third Quarter 2013December 30, 2013March 28, 2014

0.07%

Last Updated: May 20, 2024