Interest rates in July 2016

Every rate we track, as it stood on 2016-07-31. Figures are the most recent observation published at or before that date — never interpolated, so a value dated earlier means that was genuinely the latest number available at the time.

← 2016-06 · 2016-08 →

auto

Series	Country	Rate	As of
US new car loan rate, 48-month (commercial banks)	US	4.33%	2016-05-01
US new car loan rate, 60-month (commercial banks)	US	4.15%	2016-05-01
US new car loan rate, 72-month (commercial banks)	US	4.08%	2016-05-01

card

Series	Country	Rate	As of
US credit card interest rate, accounts assessed interest	US	13.35%	2016-05-01
US credit card interest rate, all accounts	US	12.16%	2016-05-01

consumer-credit

Series	Country	Rate	As of
US personal loan rate, 24-month (commercial banks)	US	9.65%	2016-05-01

Deposit & savings rates

Series	Country	Rate	As of
Household deposit rate (agreed maturity, new business) — AT	AT	0.36%	2016-07-01
Household deposit rate (agreed maturity, new business) — BE	BE	0.59%	2016-07-01
Household deposit rate (agreed maturity, new business) — BG	BG	0.59%	2016-07-01
Household deposit rate (agreed maturity, new business) — CY	CY	1.54%	2016-07-01
Household deposit rate (agreed maturity, new business) — DE	DE	0.37%	2016-07-01
Household deposit rate (agreed maturity, new business) — EE	EE	0.47%	2016-07-01
Household deposit rate (agreed maturity, new business) — ES	ES	0.19%	2016-07-01
Household deposit rate (agreed maturity, new business) — FI	FI	0.46%	2016-07-01
Household deposit rate (agreed maturity, new business) — FR	FR	1.33%	2016-07-01
Household deposit rate (agreed maturity, new business) — GR	GR	1.84%	2014-11-01
Household deposit rate (agreed maturity, new business) — HR	HR	0.97%	2016-07-01
Household deposit rate (agreed maturity, new business) — IE	IE	0.15%	2016-07-01
Household deposit rate (agreed maturity, new business) — IT	IT	0.91%	2016-07-01
Household deposit rate (agreed maturity, new business) — LT	LT	0.19%	2016-07-01
Household deposit rate (agreed maturity, new business) — LU	LU	0.24%	2016-07-01
Household deposit rate (agreed maturity, new business) — LV	LV	0.57%	2016-07-01
Household deposit rate (agreed maturity, new business) — MT	MT	1.12%	2016-07-01
Household deposit rate (agreed maturity, new business) — NL	NL	1.67%	2016-07-01
Household deposit rate (agreed maturity, new business) — PT	PT	0.40%	2016-07-01
Household deposit rate (agreed maturity, new business) — SI	SI	0.31%	2016-07-01
Household deposit rate (agreed maturity, new business) — SK	SK	0.86%	2016-07-01
Household deposit rate (agreed maturity, new business) — U2	U2	0.53%	2016-07-01
UK 2-year fixed rate savings bond	GB	0.93%	2016-07-31
UK instant access savings rate	GB	0.34%	2016-07-31

Government bond yields

Series	Country	Rate	As of
Euro area AAA government bond yield — 10-year spot	U2	-0.15%	2016-07-29
Government of Canada benchmark bond yield — Benchmark bond yield: 10 year	CA	1.03%	2016-07-29
Government of Canada benchmark bond yield — Benchmark bond yield: 2 year	CA	0.54%	2016-07-29
Government of Canada benchmark bond yield — Benchmark bond yield: 3 year	CA	0.54%	2016-07-29
Government of Canada benchmark bond yield — Benchmark bond yield: 5 year	CA	0.60%	2016-07-29
Government of Canada benchmark bond yield — Benchmark bond yield: 7 year	CA	0.76%	2016-07-29
Government of Canada benchmark bond yield — Benchmark bond yield: long-term	CA	1.64%	2016-07-29
Government of Canada benchmark bond yield — Real Return Bonds yield: long-term	CA	0.27%	2016-07-29
U.S. Treasury par yield — 1-month	US	0.19%	2016-07-29
U.S. Treasury par yield — 1-year	US	0.50%	2016-07-29
U.S. Treasury par yield — 10-year	US	1.46%	2016-07-29
U.S. Treasury par yield — 2-year	US	0.67%	2016-07-29
U.S. Treasury par yield — 20-year	US	1.78%	2016-07-29
U.S. Treasury par yield — 3-month	US	0.28%	2016-07-29
U.S. Treasury par yield — 3-year	US	0.76%	2016-07-29
U.S. Treasury par yield — 30-year	US	2.18%	2016-07-29
U.S. Treasury par yield — 5-year	US	1.03%	2016-07-29
U.S. Treasury par yield — 6-month	US	0.38%	2016-07-29
U.S. Treasury par yield — 7-year	US	1.29%	2016-07-29

Mortgage rates

Series	Country	Rate	As of
15-year fixed rate mortgage average (PMMS)	US	2.78%	2016-07-28
30-year fixed rate mortgage average (PMMS)	US	3.48%	2016-07-28
Mortgage rate (loans to households for house purchase, new business) — AT	AT	1.87%	2016-07-01
Mortgage rate (loans to households for house purchase, new business) — BE	BE	2.03%	2016-07-01
Mortgage rate (loans to households for house purchase, new business) — CY	CY	2.98%	2016-07-01
Mortgage rate (loans to households for house purchase, new business) — DE	DE	1.73%	2016-07-01
Mortgage rate (loans to households for house purchase, new business) — EE	EE	2.44%	2016-07-01
Mortgage rate (loans to households for house purchase, new business) — ES	ES	1.91%	2016-07-01
Mortgage rate (loans to households for house purchase, new business) — FI	FI	1.15%	2016-07-01
Mortgage rate (loans to households for house purchase, new business) — FR	FR	1.77%	2016-07-01
Mortgage rate (loans to households for house purchase, new business) — GR	GR	2.76%	2016-07-01
Mortgage rate (loans to households for house purchase, new business) — IE	IE	3.24%	2016-07-01
Mortgage rate (loans to households for house purchase, new business) — IT	IT	2.04%	2016-07-01
Mortgage rate (loans to households for house purchase, new business) — LT	LT	1.97%	2016-07-01
Mortgage rate (loans to households for house purchase, new business) — LU	LU	1.52%	2016-07-01
Mortgage rate (loans to households for house purchase, new business) — LV	LV	2.91%	2016-07-01
Mortgage rate (loans to households for house purchase, new business) — MT	MT	2.74%	2016-07-01
Mortgage rate (loans to households for house purchase, new business) — NL	NL	2.58%	2016-07-01
Mortgage rate (loans to households for house purchase, new business) — PT	PT	1.91%	2016-07-01
Mortgage rate (loans to households for house purchase, new business) — SI	SI	2.13%	2016-07-01
Mortgage rate (loans to households for house purchase, new business) — SK	SK	1.94%	2016-07-01
Mortgage rate (loans to households for house purchase, new business) — U2	U2	1.92%	2016-07-01
Posted rate (major chartered banks) — Conventional mortgage: 1-year	CA	3.14%	2016-07-27
Posted rate (major chartered banks) — Conventional mortgage: 3-year	CA	3.39%	2016-07-27
Posted rate (major chartered banks) — Conventional mortgage: 5-year	CA	4.74%	2016-07-27
Posted rate (major chartered banks) — Daily interest savings (balances over $100,000)	CA	0.05%	2016-07-27
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-year	CA	0.85%	2016-07-27
Posted rate (major chartered banks) — Guaranteed investment certificates: 3-year	CA	1.15%	2016-07-27
Posted rate (major chartered banks) — Guaranteed investment certificates: 5-year	CA	1.38%	2016-07-27
Posted rate (major chartered banks) — Non-chequable savings deposits	CA	0.05%	2016-07-27
Posted rate (major chartered banks) — Personal deposits: 5-year fixed term	CA	1.15%	2016-07-27
Posted rate (major chartered banks) — Prime rate	CA	2.70%	2016-07-27
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, <1 year	CA	4.84%	2016-07-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 1 to <3 years	CA	2.37%	2016-07-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 3 to <5 years	CA	2.53%	2016-07-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 5 years and over	CA	2.58%	2016-07-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Variable rate	CA	2.80%	2016-07-01
Rate actually charged on new mortgage lending — Residential mortgages, insured, Total	CA	2.71%	2016-07-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, <1 year	CA	4.64%	2016-07-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 1 to <3 years	CA	2.41%	2016-07-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 3 to <5 years	CA	2.53%	2016-07-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 5 years and over	CA	2.59%	2016-07-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Variable rate	CA	2.70%	2016-07-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured, Total	CA	2.61%	2016-07-01
UK 2-year fixed mortgage rate (75% LTV)	GB	1.72%	2016-07-31
UK 5-year fixed mortgage rate (75% LTV)	GB	2.09%	2016-07-31

Central bank policy rates

Series	Country	Rate	As of
Bank of Canada target for the overnight rate	CA	0.50%	2016-07-29
Bank of England Bank Rate	GB	0.50%	2016-07-31
ECB deposit facility rate	U2	-0.40%	2016-07-31

About this snapshot

98 series had published data by 2016-07-31. Where the “as of” column shows an earlier date, that series had not published again by the snapshot date — monthly and quarterly statistics routinely lag by weeks or months, and we show the real observation date rather than restating an old figure as if it were new.