U.S. consumer credit, bank loans and delinquencies

Credit card interest rate

+0.25 pt Q3 2026 vs. Q2 2026

This is the average interest rate banks charge on credit card plans, from the Fed's G.19 consumer credit release. It covers all accounts, including those that pay in full and are not charged interest.

Consumer credit

$5.20T Aug 2026 · was 2.6% in Jul 2026

Consumer credit is the total of credit card balances, auto loans, student loans and other personal loans. Mortgages and home equity loans are not included.

Revolving credit (credit cards)

$1,352.4B Aug 2026 · was 3.6% in Jul 2026

Revolving credit is mostly credit card debt: balances that can be paid down and borrowed again. It is the part of consumer credit most sensitive to household cash needs.

Credit card delinquency rate

-0.06 pt Q2 2026 vs. Q1 2026

This is the share of credit card balances at U.S. banks that are 30 days or more past due. Rising delinquencies can signal that households are under financial strain.

Nonrevolving credit (auto and student loans)

$3.84T Aug 2026 · was 2.3% in Jul 2026

Nonrevolving credit is consumer borrowing with fixed payments, mainly auto loans and student loans. It makes up about three-quarters of consumer credit.

Student loans outstanding

$1.78T Q4 2024 · was 2.3% in Q3 2024

This is the total of student loans owned and securitized, most of it held by the federal government. It is reported quarterly and is not seasonally adjusted.

Auto loans outstanding

$1.57T Q4 2024 · was 0.9% in Q3 2024

This is the total of motor vehicle loans owned and securitized by banks, finance companies and other lenders. It is reported quarterly and is not seasonally adjusted.

New car loan rate (48 months)

0.00 pt Aug 2026 vs. May 2026

This is the average interest rate commercial banks charge on 48-month loans for new cars, from a Federal Reserve survey.

Bank loans and leases

+0.2% Oct 14, 2026 vs. Oct 7, 2026

This is the total of loans and leases held by U.S. commercial banks, as of each Wednesday. It shows how much banks are lending to households and businesses.

Business loans (C&I)

$2.96T Sep 2026 · was 9.5% in Aug 2026

Commercial and industrial loans are bank loans to businesses for operations and equipment, excluding real estate. They jumped in 2020 when firms drew on credit lines and then fell as they repaid.

Bank deposits

+0.2% Oct 14, 2026 vs. Oct 7, 2026

This is total deposits at U.S. commercial banks, as of each Wednesday. Deposits surged in 2020 and 2021 and dipped in 2022 and 2023 as interest rates rose.

Household debt service ratio

-0.05 pt Q2 2026 vs. Q1 2026

The debt service ratio is the share of household disposable income going to required payments on mortgages and consumer debt. It reached a record low in 2021.

Household net worth

$185.65T Q2 2026 · was 8.6% in Q1 2026

This is the total net worth of households and nonprofit organizations, assets minus debts, from the Federal Reserve's financial accounts. It is not adjusted for inflation or population.

Mortgage delinquency rate

-0.02 pt Q2 2026 vs. Q1 2026

This is the share of single-family residential mortgages held by commercial banks that are 30 days or more past due. It peaked above 11% in 2010 after the housing crash.

Credit card charge-off rate

0.00 pt Q2 2026 vs. Q1 2026

The charge-off rate is the share of credit card balances that banks wrote off as losses, at an annual rate. It peaked above 10% in late 2009 and early 2010, after the financial crisis.