The Rate Engine

Interest rates in January 2017

Every rate we track, as it stood on 2017-01-31. 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.

2016-12 · 2017-02

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consumer-credit

SeriesCountryRateAs of
US personal loan rate, 24-month (commercial banks)US9.45%2016-11-01

Deposit & savings rates

SeriesCountryRateAs of
Household deposit rate (agreed maturity, new business) — ATAT0.36%2017-01-01
Household deposit rate (agreed maturity, new business) — BEBE0.60%2017-01-01
Household deposit rate (agreed maturity, new business) — BGBG0.36%2017-01-01
Household deposit rate (agreed maturity, new business) — CYCY1.52%2017-01-01
Household deposit rate (agreed maturity, new business) — DEDE0.35%2017-01-01
Household deposit rate (agreed maturity, new business) — EEEE0.50%2017-01-01
Household deposit rate (agreed maturity, new business) — ESES0.10%2017-01-01
Household deposit rate (agreed maturity, new business) — FIFI0.47%2017-01-01
Household deposit rate (agreed maturity, new business) — FRFR1.02%2017-01-01
Household deposit rate (agreed maturity, new business) — GRGR1.84%2014-11-01
Household deposit rate (agreed maturity, new business) — HRHR0.63%2017-01-01
Household deposit rate (agreed maturity, new business) — IEIE0.11%2017-01-01
Household deposit rate (agreed maturity, new business) — ITIT0.84%2017-01-01
Household deposit rate (agreed maturity, new business) — LTLT0.29%2017-01-01
Household deposit rate (agreed maturity, new business) — LULU0.40%2017-01-01
Household deposit rate (agreed maturity, new business) — LVLV0.61%2017-01-01
Household deposit rate (agreed maturity, new business) — MTMT0.98%2017-01-01
Household deposit rate (agreed maturity, new business) — NLNL1.37%2017-01-01
Household deposit rate (agreed maturity, new business) — PTPT0.33%2017-01-01
Household deposit rate (agreed maturity, new business) — SISI0.28%2017-01-01
Household deposit rate (agreed maturity, new business) — SKSK0.66%2017-01-01
Household deposit rate (agreed maturity, new business) — U2U20.44%2017-01-01
UK 2-year fixed rate savings bondGB0.60%2017-01-31
UK instant access savings rateGB0.15%2017-01-31

Government bond yields

Mortgage rates

SeriesCountryRateAs of
15-year fixed rate mortgage average (PMMS)US3.40%2017-01-26
30-year fixed rate mortgage average (PMMS)US4.19%2017-01-26
Mortgage rate (loans to households for house purchase, new business) — ATAT1.86%2017-01-01
Mortgage rate (loans to households for house purchase, new business) — BEBE2.03%2017-01-01
Mortgage rate (loans to households for house purchase, new business) — CYCY2.96%2017-01-01
Mortgage rate (loans to households for house purchase, new business) — DEDE1.77%2017-01-01
Mortgage rate (loans to households for house purchase, new business) — EEEE2.17%2017-01-01
Mortgage rate (loans to households for house purchase, new business) — ESES1.91%2017-01-01
Mortgage rate (loans to households for house purchase, new business) — FIFI1.10%2017-01-01
Mortgage rate (loans to households for house purchase, new business) — FRFR1.50%2017-01-01
Mortgage rate (loans to households for house purchase, new business) — GRGR2.62%2017-01-01
Mortgage rate (loans to households for house purchase, new business) — IEIE3.17%2017-01-01
Mortgage rate (loans to households for house purchase, new business) — ITIT2.03%2017-01-01
Mortgage rate (loans to households for house purchase, new business) — LTLT1.95%2017-01-01
Mortgage rate (loans to households for house purchase, new business) — LULU1.68%2017-01-01
Mortgage rate (loans to households for house purchase, new business) — LVLV2.68%2017-01-01
Mortgage rate (loans to households for house purchase, new business) — MTMT2.84%2017-01-01
Mortgage rate (loans to households for house purchase, new business) — NLNL2.35%2017-01-01
Mortgage rate (loans to households for house purchase, new business) — PTPT1.76%2017-01-01
Mortgage rate (loans to households for house purchase, new business) — SISI2.23%2017-01-01
Mortgage rate (loans to households for house purchase, new business) — SKSK1.85%2017-01-01
Mortgage rate (loans to households for house purchase, new business) — U2U21.81%2017-01-01
OBMMI — 15-Year Fixed Rate ConformingUS3.56%2017-01-31
OBMMI — 30-Year Fixed Rate Conforming Mortgage IndexUS4.42%2017-01-31
OBMMI — 30-Year Fixed Rate Conforming, Non-AdjustedUS4.31%2017-01-31
OBMMI — FHA 30-Year FixedUS4.28%2017-01-31
OBMMI — Jumbo 30-Year FixedUS4.35%2017-01-31
OBMMI — LTV >80, FICO <680US4.85%2017-01-31
OBMMI — LTV >80, FICO ≥740US4.34%2017-01-31
OBMMI — LTV >80, FICO 680–699US4.57%2017-01-31
OBMMI — LTV >80, FICO 700–719US4.51%2017-01-31
OBMMI — LTV >80, FICO 720–739US4.43%2017-01-31
OBMMI — LTV ≤80, FICO <680US4.67%2017-01-31
OBMMI — LTV ≤80, FICO ≥740US4.32%2017-01-31
OBMMI — LTV ≤80, FICO 680–699US4.51%2017-01-31
OBMMI — LTV ≤80, FICO 700–719US4.49%2017-01-31
OBMMI — LTV ≤80, FICO 720–739US4.38%2017-01-31
OBMMI — USDA 30-Year FixedUS4.38%2017-01-31
OBMMI — VA 30-Year FixedUS4.04%2017-01-31
Posted rate (major chartered banks) — Conventional mortgage: 1-yearCA3.14%2017-01-25
Posted rate (major chartered banks) — Conventional mortgage: 3-yearCA3.39%2017-01-25
Posted rate (major chartered banks) — Conventional mortgage: 5-yearCA4.64%2017-01-25
Posted rate (major chartered banks) — Daily interest savings (balances over $100,000)CA0.05%2017-01-25
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-yearCA0.73%2017-01-25
Posted rate (major chartered banks) — Guaranteed investment certificates: 3-yearCA1.15%2017-01-25
Posted rate (major chartered banks) — Guaranteed investment certificates: 5-yearCA1.45%2017-01-25
Posted rate (major chartered banks) — Non-chequable savings depositsCA0.05%2017-01-25
Posted rate (major chartered banks) — Personal deposits: 5-year fixed termCA1.15%2017-01-25
Posted rate (major chartered banks) — Prime rateCA2.70%2017-01-25
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, <1 yearCA5.09%2017-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 1 to <3 yearsCA2.64%2017-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 3 to <5 yearsCA2.61%2017-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 5 years and overCA2.71%2017-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Variable rateCA2.71%2017-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured, TotalCA2.85%2017-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, <1 yearCA4.66%2017-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 1 to <3 yearsCA2.62%2017-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 3 to <5 yearsCA2.62%2017-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 5 years and overCA2.72%2017-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Variable rateCA2.69%2017-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured, TotalCA2.74%2017-01-01
UK 2-year fixed mortgage rate (75% LTV)GB1.45%2017-01-31
UK 5-year fixed mortgage rate (75% LTV)GB1.75%2017-01-31

Central bank policy rates

SeriesCountryRateAs of
Bank of Canada target for the overnight rateCA0.50%2017-01-31
Bank of England Bank RateGB0.25%2017-01-31
ECB deposit facility rateU2-0.40%2017-01-31

About this snapshot

115 series had published data by 2017-01-31. 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.