FX.co ★ U.S. 3-Year Interest Rate Projection Rises to 3.6% in Q1 2026, Up From 3.1%

The projected 3-year interest rate for the United States increased to 3.6% in the first quarter of 2026, up from the previously recorded level of 3.1% in the fourth quarter of 2026, according to data updated on 16 September 2026.

This 0.5 percentage point rise in the 3-year outlook signals a shift toward higher expected borrowing costs over the medium term, with potential implications for corporate financing, consumer credit, and government debt servicing. Investors and policymakers will be closely watching whether this upward move in projections continues in subsequent quarters, as it may reflect evolving expectations around inflation, economic growth, and future monetary policy conditions in the United States.