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 | 1.92% | 1.65% | 1.55% | 2.46% | 3.20% |
| Average Borrow APR | 3.34% | 2.89% | 2.78% | 3.93% | 4.65% |
Daily snapshots
Showing daily snapshots (midnight UTC) for USDC on Aave V3 Arbitrum.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Apr 15, 2026 | 261.0M | 1.62% | 166.0M | 2.83% |
| 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% |
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 | 1.62% | 2.83% | 63.71% | |
| $25.0M deposit | 1.35% (-0.27%) | 2.58% (-0.25%) | 58.09% | |
| $50.0M deposit | 1.14% (-0.48%) | 2.37% (-0.46%) | 53.37% | |
| $100.0M deposit | 0.84% (-0.78%) | 2.04% (-0.79%) | 45.92% | |
| $250.0M deposit | 0.42% (-1.20%) | 1.44% (-1.39%) | 32.37% |
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 | 1.62% | 2.83% | 63.71% | |
| $5.00M borrow | 1.72% (+0.10%) | 2.92% (+0.09%) | 65.65% | |
| $10.0M borrow | 1.83% (+0.20%) | 3.00% (+0.17%) | 67.59% | |
| $25.0M borrow | 2.15% (+0.53%) | 3.26% (+0.43%) | 73.40% | |
| $50.0M borrow | 2.76% (+1.14%) | 3.69% (+0.86%) | 83.08% |
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 | 1.62% | 2.83% | 63.71% | |
| $10.0M repayment | 1.43% (-0.19%) | 2.66% (-0.17%) | 59.84% | |
| $25.0M repayment | 1.17% (-0.46%) | 2.40% (-0.43%) | 54.03% | |
| $50.0M repayment | 0.79% (-0.84%) | 1.97% (-0.86%) | 44.34% | |
| $100.0M repayment | 0.25% (-1.37%) | 1.11% (-1.72%) | 24.97% |
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 | 1.62% | 2.83% | 63.71% | |
| $5.00M withdrawal | 1.69% (+0.06%) | 2.89% (+0.06%) | 64.97% | |
| $10.0M withdrawal | 1.76% (+0.13%) | 2.95% (+0.11%) | 66.28% | |
| $25.0M withdrawal | 1.99% (+0.37%) | 3.14% (+0.30%) | 70.54% | |
| $50.0M withdrawal | 2.50% (+0.87%) | 3.51% (+0.68%) | 79.02% |