Tex. Codes » Finance Code · TITLE 4. REGULATION OF INTEREST, LOANS, AND FINANCED TRANSACTIONS · SUBTITLE A. INTEREST · CHAPTER 304. JUDGMENT INTEREST
Texas Codes

Tex. Fin. Code § 304.003 (2026)

Judgment Interest Rate: Interest Rate Or Time Price Differential Not In Contract

✓ current as of May 2026
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Sec. 304.003. JUDGMENT INTEREST RATE: INTEREST RATE OR TIME PRICE DIFFERENTIAL NOT IN CONTRACT. (a) A money judgment of a court of this state to which Section 304.002 does not apply, including court costs awarded in the judgment and prejudgment interest, if any, earns postjudgment interest at the rate determined under this section.

(b) On the 15th day of each month, the consumer credit commissioner shall determine the postjudgment interest rate to be applied to a money judgment rendered during the succeeding calendar month.

(c) The postjudgment interest rate is:

(1) the prime rate as published by the Board of Governors of the Federal Reserve System on the date of computation;

(2) five percent a year if the prime rate as published by the Board of Governors of the Federal Reserve System described by Subdivision (1) is less than five percent; or

(3) 15 percent a year if the prime rate as published by the Board of Governors of the Federal Reserve System described by Subdivision (1) is more than 15 percent.

Amended by Acts 1999, 76th Leg., ch. 62, Sec. 7.18(a), eff. Sept. 1, 1999; Acts 2003, 78th Leg., ch. 204, Sec. 6.01, eff. Sept. 1, 2003; Acts 2003, 78th Leg., ch. 676, Sec. 1, eff. June 20, 2003.

Amended by:

Acts 2005, 79th Leg., Ch. 387 (S.B. 1450), Sec. 1, eff. September 1, 2005.

Acts 2005, 79th Leg., Ch. 1018 (H.B. 955), Sec. 7.01, eff. September 1, 2005.

Notes of Decisions
Cited in 232 cases (60 in the last 5 years), 1998–2026 · leading case: Burke v. Union Pac. Resources Co., 138 S.W.3d 46 (Tex. App. 2004).
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Burke v. Union Pac. Resources Co., 138 S.W.3d 46 (Tex. App. 2004). · cites it 8× “UPRC *74 argues that the new version of Tex. Fin. Code Ann. § 304.003 (c) applies because this Court’s opinion constitutes a judgment and the new provision applies to a judgment which will be “signed or subject to appeal.”
Columbia Med. Ctr. of Las Colinas, Inc. v. Hogue, 271 S.W.3d 238 (Tex. 2008). · cites it 4× “" House Bills 2415 and 4 lowered the floor interest rate to five percent from ten percent, and the ceiling interest rate to fifteen percent from twenty percent in subsections (c)(2) and (c)(3), respectively, of Texas Finance Code § 304.”
Springs Window Fashions Div., Inc. v. Blind Maker, Inc., 184 S.W.3d 840 (Tex. App. 2006). · cites it 3× “Laws 2096 , 2097 (effective June 20, 2003) (codified at Tex. Fin. Code Ann. § 304.003 (c) (West Supp.”
Columbia Med. Ctr. of Las Colinas v. Bush Ex Rel. Bush, 122 S.W.3d 835 (Tex. App. 2003). · cites it 2× “” Tex. Fin.Code Ann. § 304.003 (Vernon Supp.”
Keith v. Keith, 221 S.W.3d 156 (Tex. App. 2006). · cites it 2× “TEX. FIN.CODE ANN. § 304.003(c) (Vernon 2005).”
Samson Lone Star, Ltd. P'ship v. Hooks, 389 S.W.3d 409 (Tex. App. 2012). · cites it 4× “The supplemental issue, as phrased by Samson, is as follows: “Should the post judgment interest rate be 5% as set by Texas Finance Code § 304.003, rather than the rate of 18% as stated in the Final Judgment?” In its supplemental briefing and in its motion for rehearing filed on…”
Warrantech Corp. v. Comput. Adapters Servs., Inc., 134 S.W.3d 516 (Tex. App. 2004). · cites it 3× “In June 2003,- the legislature amended Texas Finance Code section 304.003 to reduce the postjudgment interest rate from 10% to 5% per year “if the prime rate as published by the Federal Reserve Bank of New York [on the date of computation] is less than five percent.”
HCRA of Texas, Inc. v. Johnston, 178 S.W.3d 861 (Tex. App. 2005). · cites it 2× “Laws 2096 , 2097 (effective date June 20, 2003) (amending Tex Fin.Code Ann. § 304.003(c) (Vernon Supp.”
Tribble & Stephens Co. v. RGM Constructors, L.P., 154 S.W.3d 639 (Tex. App. 2005). · cites it 2× “Laws 2096 , 2096-97 (amended 2003) (current version at Tex. Fin.Code Ann. § 304.003(c) (Vernon Supp.”
Dal-Chrome Co. v. Brenntag Sw., Inc., 183 S.W.3d 133 (Tex. App. 2006). · cites it 2× “Tex. Fin.Code Ann. § 304.003 (Vernon Supp.”
Playboy Enter., Inc. v. Editorial Caballero, S.A. De C.V., 202 S.W.3d 250 (Tex. App. 2006). · cites it 2× “See Tex. Fin.Code Ann. § 304.003(c) (Vernon Supp.”
Durham Transp. Co. v. Beettner, 201 S.W.3d 859 (Tex. App. 2006). · cites it 3× “Laws 3091 , 3435 (amended 2003) (current version at Tex. Fin.Code Ann. § 304.003(c) (Vernon Supp.”
Show all 232 citing cases →
— Tex. Fin. Code § 304.003(a) — 16 cases
Shook v. Walden, 304 S.W.3d 910 (Tex. App. 2010).
Dal-Chrome Co. v. Brenntag Sw., Inc., 183 S.W.3d 133 (Tex. App. 2006). “Tex. Fin.Code Ann. § 304.003 (Vernon Supp.”
Long v. Castle Texas Prod. Ltd. P'ship, 426 S.W.3d 73 (Tex. 2014).
Dallas Cnty. v. Crestview Corners Car Wash, 370 S.W.3d 25 (Tex. App. 2012).
Meridien Hotels, Inc. v. LHO Fin. P'ship I, L.P., 255 S.W.3d 807 (Tex. App. 2008).
— Tex. Fin. Code § 304.003(b) — 2 cases
Mid-Continent Cas. Co. v. Petroleum Solutions, Inc., 248 F. Supp. 3d 837 (S.D. Tex. 2017).
Aspen Specialty Ins. Co. v. Yin Investments USA, LP (E.D. Tex. 2022).
— Tex. Fin. Code § 304.003(c) — 54 cases
Burke v. Union Pac. Resources Co., 138 S.W.3d 46 (Tex. App. 2004). “UPRC *74 argues that the new version of Tex. Fin. Code Ann. § 304.003 (c) applies because this Court’s opinion constitutes a judgment and the new provision applies to a judgment which will be “signed or subject to appeal.”
Keith v. Keith, 221 S.W.3d 156 (Tex. App. 2006). “TEX. FIN.CODE ANN. § 304.003(c) (Vernon 2005).”
HCRA of Texas, Inc. v. Johnston, 178 S.W.3d 861 (Tex. App. 2005). “Laws 2096 , 2097 (effective date June 20, 2003) (amending Tex Fin.Code Ann. § 304.003(c) (Vernon Supp.”
Tribble & Stephens Co. v. RGM Constructors, L.P., 154 S.W.3d 639 (Tex. App. 2005). “Laws 2096 , 2096-97 (amended 2003) (current version at Tex. Fin.Code Ann. § 304.003(c) (Vernon Supp.”
Playboy Enter., Inc. v. Editorial Caballero, S.A. De C.V., 202 S.W.3d 250 (Tex. App. 2006). “See Tex. Fin.Code Ann. § 304.003(c) (Vernon Supp.”
— Tex. Fin. Code § 304.003(c)(1) — 8 cases
Countrywide Home Loans, Inc. v. Cowin (In re Cowin), 492 B.R. 858 (Bankr. S.D. Tex. 2013).
Shenzen Synergy Digit. Co. Ltd. v. Mingtel, Inc. (E.D. Tex. 2022).
Craig v. Gacp II Lp (N.D. Tex. 2022).
Jager Grp. LLC (N.D. Tex. 2023).
EHO360 LLC v. Opalich (N.D. Tex. 2023).
— Tex. Fin. Code § 304.003(c)(1)(2) — 1 case
Great Am. Ins. Co. v. Teel Mgmt. Grp., Inc. (E.D. Tex. 2023).
— Tex. Fin. Code § 304.003(c)(2) — 16 cases
Springs Window Fashions Div., Inc. v. Blind Maker, Inc., 184 S.W.3d 840 (Tex. App. 2006). “Laws 2096 , 2097 (effective June 20, 2003) (codified at Tex. Fin. Code Ann. § 304.003 (c) (West Supp.”
Hot-Hed, Inc. v. Safehouse Habitats (Scotland), Ltd., 333 S.W.3d 719 (Tex. App. 2011).
Warrantech Corp. v. Comput. Adapters Servs., Inc., 134 S.W.3d 516 (Tex. App. 2004). “In June 2003,- the legislature amended Texas Finance Code section 304.003 to reduce the postjudgment interest rate from 10% to 5% per year “if the prime rate as published by the Federal Reserve Bank of New York [on the date of computation] is less than five percent.”
Bossier Chrysler-Dodge II, Inc. v. Riley, 221 S.W.3d 749 (Tex. App. 2007).
Alan Gordon, Lauren Gordon, & IBL Constr. & Design, LLC v. Dennis Leasman D/B/A Leasman Contracting, 365 S.W.3d 109 (Tex. App. 2011).
— Tex. Fin. Code § 304.003(c)(L) — 1 case
UniWell Labs., LLC v. Frain Indus. Inc (N.D. Tex. 2024).
— Tex. Fin. Code § 304.003(c)(l) — 1 case
Arete Partners, L.P. v. Gunnerman, 643 F.3d 410 (5th Cir. 2011).
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