Judgment Interest Calculator Guide for Arizona
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Published June 1, 2025 • Updated May 16, 2026 • By DocketMath Team
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Arizona interest rules
This source-backed guide covers Arizona judgment and obligation interest under A.R.S. § 44-1201. It certifies only the quoted source-backed rules below; related interest categories remain outside this page unless they are expressly listed in the receipt.
Non-medical judgment interest formula
Unless a statute or written contract provides otherwise, Arizona interest on a judgment other than a medical-debt judgment is the lesser of 10% per year or one percentage point plus the Federal Reserve H.15 prime rate. The statutory rate changes on the first business day after Federal Reserve publication, and the judgment must state the applicable rate, which does not change after entry.
Rate of interest for loan or indebtedness; interest on judgm. A. Interest on any loan, indebtedness or other obligation shall be as follows: 1. The maximum interest rate on medical debt shall be the lesser of the following: (a) The annual rate equal to the weekly average one-year constant maturity treasury yield, as published by the board of governors of the federal reserve system, for the calendar week preceding the date when the consumer was first provided with a bill, or (b) Three percent a year. The maximum interest rate provided pursuant to this paragraph also applies to any judgments on medical debt. 2. For any loan, indebtedness or obligation other than medical debt, interest shall be at the rate of ten percent a year, unless a different rate is contracted for in writing, in which event any rate of interest may be agreed to. Interest on any judgment, other than a judgment on medical debt, that is based on a written agreement evidencing a loan, indebtedness or obligation that bears a rate of interest not in excess of the maximum permitted by law shall be at the rate of interest provided in the agreement and shall be specified in the judgment. B. Unless specifically provided for in statute or a different rate is contracted for in writing, interest on any judgment other than a judgment on medical debt shall be at the lesser of ten percent a year or at a rate per year that is equal to one percent plus the prime rate as published by the board of governors of the federal reserve system in statistical release H.15 or any publication that may supersede it. A change in the rate that is prescribed in this subsection takes effect on the first business day following publication by the federal reserve. The judgment shall state the applicable interest rate and it shall not change after it is entered. F. If awarded, prejudgment interest shall be at the rate described in subsection A or B of this section.
Medical debt and non-medical obligations
Arizona medical-debt interest is capped at the lesser of the weekly average one-year constant maturity treasury yield or 3% per year, and that cap also applies to judgments on medical debt. For loans, indebtedness, or obligations other than medical debt, Arizona uses 10% per year unless a written contract sets a different rate. If prejudgment interest is awarded, it uses the rate described in subsection A or B.
Rate of interest for loan or indebtedness; interest on judgm. A. Interest on any loan, indebtedness or other obligation shall be as follows: 1. The maximum interest rate on medical debt shall be the lesser of the following: (a) The annual rate equal to the weekly average one-year constant maturity treasury yield, as published by the board of governors of the federal reserve system, for the calendar week preceding the date when the consumer was first provided with a bill, or (b) Three percent a year. The maximum interest rate provided pursuant to this paragraph also applies to any judgments on medical debt. 2. For any loan, indebtedness or obligation other than medical debt, interest shall be at the rate of ten percent a year, unless a different rate is contracted for in writing, in which event any rate of interest may be agreed to. Interest on any judgment, other than a judgment on medical debt, that is based on a written agreement evidencing a loan, indebtedness or obligation that bears a rate of interest not in excess of the maximum permitted by law shall be at the rate of interest provided in the agreement and shall be specified in the judgment. B. Unless specifically provided for in statute or a different rate is contracted for in writing, interest on any judgment other than a judgment on medical debt shall be at the lesser of ten percent a year or at a rate per year that is equal to one percent plus the prime rate as published by the board of governors of the federal reserve system in statistical release H.15 or any publication that may supersede it. A change in the rate that is prescribed in this subsection takes effect on the first business day following publication by the federal reserve. The judgment shall state the applicable interest rate and it shall not change after it is entered. F. If awarded, prejudgment interest shall be at the rate described in subsection A or B of this section.
Current H.15 prime-rate input
The Federal Reserve H.15 release dated May 11, 2026 lists the bank prime loan rate as 6.75%. For a non-medical Arizona judgment subject to A.R.S. § 44-1201(B), prime plus one percentage point is 7.75%, which is below the statute's 10% cap.
Federal Reserve H.15 Selected Interest Rates, May 11, 2026. Release date: May 11, 2026 Selected Interest Rates Yields in percent per annum Instruments Bank prime loan 2 3 7 6.75 6.75 6.75 6.75 6.75
Not certified by this page
- This receipt does not certify escrow-interest, security-deposit-interest, ERISA, federal postjudgment interest, condemnation-interest cross-references, or historical Arizona interest rates.
- This receipt does not certify any Arizona interest rule outside A.R.S. § 44-1201 or any rate input other than the Federal Reserve H.15 bank prime loan value retrieved for this receipt.
Use the calculator
DocketMath's interest calculator can model interest scenarios once you identify the controlling jurisdiction, amount, rate type, and accrual date. Use the source panel for the verified source-backed rule.
Sources
All sources are official primary law published by www.azleg.gov, www.federalreserve.gov.
Corroboration method: Official Arizona statute provides the legal formula and points to Federal Reserve H.15 for the prime-rate input; the official Federal Reserve H.15 release supplies the current bank prime loan value used by the statute.