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The Global Credit Literacy Index
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Country profile · Edition 1

🇺🇸United States

North America

Score

76.8

Rank

10 of 46

Overview

United States ranks 10th of 46 economies, with a score of 76.8 out of 100. It is 2nd of 3 ranked economies in North America.

Strongest: Consumer protection and Financial education (100). Weakest: Public awareness and Youth education (50).

Dimension scores

Credit literacyCredit accessFinancial inclusionDigital bankingInnovationConsumer protectionGovernment supportFinancial educationYouth educationPublic awareness0255075100
Credit literacy57.0
Credit access66.2
Financial inclusion86.6
Digital banking93.0
Innovation83.3
Consumer protection100.0
Government support87.5
Financial education100.0
Youth education50.0
Public awareness50.0

Dimensions with no score are left out of the overall score, never counted as zero.

Not yet measured: Reporting transparency, Alternative infrastructure.

Survey indicators

57%57% of adults answered at least 3 of 4 financial concepts correctly (S&P Global FinLit, 2014)
75%75% of credit card users pay their balance in full (Findex, 2021)
66.2%66% of adults borrowed from a formal institution or via mobile money in the past year (Findex, 2021)
97%97% of adults have an account (Findex, 2024)
76.1%76% could raise emergency funds within 30 days without great difficulty (Findex, 2021)
93%93% of adults made or received a digital payment (Findex, 2021)
50515-year-olds scored 505 on PISA 2022 financial literacy (OECD average 498)

Youth education policy: partial

Financial education is in the school curriculum only in some regions, or as an optional or pilot subject. A standalone course or graduation requirement applies in some regions. Young people are mentioned in the national strategy but not as a priority, or the strategy has expired.

Policy dimensions record whether a policy exists, not how well it works.