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An interest rate is the price a borrower pays for the use of money he does not own, and the return a lender receives for deferring the use of funds, by lending it to the borrower. Interest rates are normally expressed as a percentage rate over the period of one year.

Interest rates targets are also a vital tool of monetary policy and are used to control variables like investment, inflation, and unemployment.

Interest rates throughout history have been variously set either by national governments or market forces. For example, the United States federal funds rate has varied between about 1% to 19% from 1954 to 2008, while the United Kingdom base rate varied between 15 and 2% from 1989 to 2008,^{[1] [2]}and Germany experienced rates close to 90% in the 1920s down to about 2% in the 2000s.^[3][4]

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