American interest rates in the 2020s have been defined by extraordinary volatility, swinging from record lows during the COVID-19 pandemic era of 2020 and 2021 to the massive surge of 2022 and 2023 in response to subsequent high inflation, all before stabilizing throughout the past two years. Economists generally believe that interest rates will continue on a modest decline, but the specific path the rates take could easily be swayed by a number of factors — potentially making your 2026 financial planning rather difficult.
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