Usury refers to the lending of money at an interest rate in excess of the legal rate. Chapter 19.52 RCW contains the usury statute for Washington State. The role of the State Treasurer with regards to usury is to set the monthly usury rate (RCW 19.52.025). The rate is based on a formula provided in RCW 19.52.020(1). The usury rate is the higher of 1) twelve percent, or 2) four percentage points above the average bill rate for twenty-six week U.S. treasury bills. For a more complete description and what/how it is used please click on the following link to The Department of Financial Institutions (DFI).

http://www.dfi.wa.gov/consumers/interest_rates_guide.htm (DFI)

RCW 19.52 Click Here for the full Usury Statute

2012


2011


2010


2009


2008


2007


2006


2005


2004


January 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00
February 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00
March 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00
April 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00
May 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00
June 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00
July 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00
August 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00
September 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00
October 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00
November 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00
December 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00
2003


2002


2001


2000


1999


1998


1997


1996


1995


January 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00
February 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00
March 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00
April 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00
May 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00
June 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00
July 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00
August 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00
September 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00
October 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00
November 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00
December 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00
1994


1993


1992


1991


1990


1989


1988


1987


1986


January 12.00 12.00 12.00 12.00 12.00 12.73 12.00 12.00 —–
February 12.00 12.00 12.00 12.00 12.00 12.86 12.00 12.00 —–
March 12.00 12.00 12.00 12.00 12.15 13.04 12.00 12.00 —–
April 12.00 12.00 12.00 12.22 12.22 13.18 12.00 12.00 —–
May 12.00 12.00 12.00 12.00 12.24 13.38 12.00 12.00 —–
June 12.00 12.00 12.00 12.00 12.28 13.16 12.00 12.00 12.00
July 12.00 12.00 12.00 12.00 12.03 12.44 12.00 12.00 12.00
August 12.00 12.00 12.00 12.00 12.01 12.05 12.00 12.00 12.00
September 12.00 12.00 12.00 12.00 12.00 12.12 12.00 12.00 12.00
October 12.00 12.00 12.00 12.00 12.00 12.31 12.00 12.00 12.00
November 12.00 12.00 12.00 12.00 12.00 12.36 12.00 12.00 12.00
December 12.00 12.00 12.00 12.13 12.00 12.00 12.00 12.00 12.00