Applicable Federal Rates (AFRs) for January

The Applicable Federal Rates (AFRs) for the month of January are as follows:

	Annual	Semiannual	Quarterly	Monthly
Short-term (≤3 years)	0.38%	0.38%	0.38%	0.38%
Mid-term (>3 years but ≤ 9 years)	1.50%	1.49%	1.49%	1.49%
Long-term (>9 years)	3.47%	3.44%	3.43%	3.42%