Are financial loans from Al Rajhi Bank that impose a 3.5% interest rate considered usury or not?

Perhaps the questioner is referring to the Murabaha transactions and similar dealings conducted by the bank, and there is no harm in its profit from them if the transactions adhere to Sharia regulations, whether they are Murabaha, Istisna'a, or Mudarabah. One can refer to the bank's Sharia Supervisory Board to inquire about the nature and specifics of these transactions.