Average USDC lending rates
Showing the average APRs over historical periods for USDC on Aave V3 Arbitrum (incentives not included).
| Rate | 1d | 7d | 30d | 6m | 1y |
|---|---|---|---|---|---|
| Average Supply APR | 1.68% | 1.61% | 1.54% | 2.46% | 3.21% |
| Average Borrow APR | 2.91% | 2.83% | 2.76% | 3.94% | 4.65% |
Daily snapshots
Showing daily snapshots (midnight UTC) for USDC on Aave V3 Arbitrum.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Apr 14, 2026 | 257.8M | 1.65% | 165.3M | 2.85% |
| Apr 13, 2026 | 266.8M | 1.51% | 164.2M | 2.73% |
| Apr 12, 2026 | 255.8M | 1.65% | 164.1M | 2.85% |
| Apr 11, 2026 | 256.4M | 1.66% | 165.2M | 2.86% |
| Apr 10, 2026 | 259.1M | 1.60% | 164.0M | 2.81% |
| Apr 09, 2026 | 261.1M | 1.62% | 166.3M | 2.83% |
| Apr 08, 2026 | 260.0M | 1.67% | 167.8M | 2.87% |
Monthly snapshots
Showing monthly snapshots (first day of month, midnight UTC) for USDC on Aave V3 Arbitrum.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Apr 01, 2026 | 255.7M | 1.63% | 163.2M | 2.84% |
| Mar 01, 2026 | 282.7M | 1.55% | 157.4M | 3.09% |
| Feb 01, 2026 | 285.4M | 2.84% | 215.0M | 4.19% |
| Jan 01, 2026 | 297.4M | 3.18% | 226.2M | 4.65% |
| Dec 01, 2025 | 344.7M | 2.60% | 237.0M | 4.20% |
| Nov 01, 2025 | 303.3M | 3.67% | 237.2M | 5.21% |
| Oct 01, 2025 | 292.6M | 4.65% | 247.5M | 6.11% |
| Sep 01, 2025 | 297.1M | 3.81% | 227.5M | 5.53% |
| Aug 01, 2025 | 268.1M | 3.89% | 225.3M | 5.14% |
| Jul 01, 2025 | 225.2M | 3.79% | 186.8M | 5.07% |
| Jun 01, 2025 | 234.3M | 3.50% | 187.0M | 4.88% |
| May 01, 2025 | 208.8M | 2.94% | 146.1M | 4.66% |
Liquidity impact
Using the interest rate model to simulate the market rates in the event of a deposit, borrow, repayment or withdrawal (incentives not included).
Showing the immediate impact of deposit events for USDC on Aave V3 Arbitrum.
| Action |
Supply APR
Supply APR after the deposit (change from current)
|
Borrow APR
Borrow APR after the deposit (change from current)
|
Utilization
Utilization after the deposit
|
Model
Interest rate curve showing the optimal utilization kink (90%) and the utilization after deposit (circle)
|
|---|---|---|---|---|
| current | 1.63% | 2.84% | 63.91% | |
| $25.0M deposit | 1.36% (-0.27%) | 2.59% (-0.25%) | 58.32% | |
| $50.0M deposit | 1.15% (-0.48%) | 2.38% (-0.46%) | 53.64% | |
| $100.0M deposit | 0.85% (-0.78%) | 2.05% (-0.79%) | 46.21% | |
| $250.0M deposit | 0.43% (-1.21%) | 1.45% (-1.39%) | 32.64% |
Showing the immediate impact of borrow events for USDC on Aave V3 Arbitrum.
| Action |
Supply APR
Supply APR after the borrow (change from current)
|
Borrow APR
Borrow APR after the borrow (change from current)
|
Utilization
Utilization after the borrow
|
Model
Interest rate curve showing the optimal utilization kink (90%) and the utilization after borrow (circle)
|
|---|---|---|---|---|
| current | 1.63% | 2.84% | 63.91% | |
| $5.00M borrow | 1.73% (+0.10%) | 2.93% (+0.09%) | 65.83% | |
| $10.0M borrow | 1.84% (+0.20%) | 3.01% (+0.17%) | 67.74% | |
| $25.0M borrow | 2.16% (+0.53%) | 3.27% (+0.43%) | 73.49% | |
| $50.0M borrow | 2.76% (+1.13%) | 3.69% (+0.85%) | 83.07% |
Showing the immediate impact of repayment events for USDC on Aave V3 Arbitrum.
| Action |
Supply APR
Supply APR after the repayment (change from current)
|
Borrow APR
Borrow APR after the repayment (change from current)
|
Utilization
Utilization after the repayment
|
Model
Interest rate curve showing the optimal utilization kink (90%) and the utilization after repayment (circle)
|
|---|---|---|---|---|
| current | 1.63% | 2.84% | 63.91% | |
| $10.0M repayment | 1.44% (-0.19%) | 2.67% (-0.17%) | 60.08% | |
| $25.0M repayment | 1.18% (-0.45%) | 2.41% (-0.43%) | 54.33% | |
| $50.0M repayment | 0.80% (-0.83%) | 1.99% (-0.85%) | 44.75% | |
| $100.0M repayment | 0.26% (-1.37%) | 1.14% (-1.70%) | 25.59% |
Showing the immediate impact of withdrawal events for USDC on Aave V3 Arbitrum.
| Action |
Supply APR
Supply APR after the withdrawal (change from current)
|
Borrow APR
Borrow APR after the withdrawal (change from current)
|
Utilization
Utilization after the withdrawal
|
Model
Interest rate curve showing the optimal utilization kink (90%) and the utilization after withdrawal (circle)
|
|---|---|---|---|---|
| current | 1.63% | 2.84% | 63.91% | |
| $5.00M withdrawal | 1.70% (+0.06%) | 2.90% (+0.06%) | 65.16% | |
| $10.0M withdrawal | 1.77% (+0.13%) | 2.95% (+0.11%) | 66.46% | |
| $25.0M withdrawal | 2.00% (+0.36%) | 3.14% (+0.30%) | 70.68% | |
| $50.0M withdrawal | 2.50% (+0.87%) | 3.51% (+0.67%) | 79.06% |