The Rate Engine

Interest rates in January 2018

Every rate we track, as it stood on 2018-01-31. 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.

2017-12 · 2018-02

auto

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consumer-credit

SeriesCountryRateAs of
US personal loan rate, 24-month (commercial banks)US10.57%2017-11-01

Deposit & savings rates

SeriesCountryRateAs of
Household deposit rate (agreed maturity, new business) — ATAT0.31%2018-01-01
Household deposit rate (agreed maturity, new business) — BEBE0.59%2018-01-01
Household deposit rate (agreed maturity, new business) — BGBG0.20%2018-01-01
Household deposit rate (agreed maturity, new business) — CYCY1.17%2018-01-01
Household deposit rate (agreed maturity, new business) — DEDE0.27%2018-01-01
Household deposit rate (agreed maturity, new business) — EEEE0.66%2018-01-01
Household deposit rate (agreed maturity, new business) — ESES0.08%2018-01-01
Household deposit rate (agreed maturity, new business) — FIFI0.35%2018-01-01
Household deposit rate (agreed maturity, new business) — FRFR0.92%2018-01-01
Household deposit rate (agreed maturity, new business) — GRGR0.61%2018-01-01
Household deposit rate (agreed maturity, new business) — HRHR0.32%2018-01-01
Household deposit rate (agreed maturity, new business) — IEIE0.08%2018-01-01
Household deposit rate (agreed maturity, new business) — ITIT0.69%2018-01-01
Household deposit rate (agreed maturity, new business) — LTLT0.34%2018-01-01
Household deposit rate (agreed maturity, new business) — LULU0.32%2018-01-01
Household deposit rate (agreed maturity, new business) — LVLV0.76%2018-01-01
Household deposit rate (agreed maturity, new business) — MTMT0.95%2018-01-01
Household deposit rate (agreed maturity, new business) — NLNL1.28%2018-01-01
Household deposit rate (agreed maturity, new business) — PTPT0.20%2018-01-01
Household deposit rate (agreed maturity, new business) — SISI0.27%2018-01-01
Household deposit rate (agreed maturity, new business) — SKSK0.86%2018-01-01
Household deposit rate (agreed maturity, new business) — U2U20.38%2018-01-01
UK 2-year fixed rate savings bondGB0.75%2018-01-31
UK instant access savings rateGB0.20%2018-01-31

Government bond yields

Mortgage rates

SeriesCountryRateAs of
15-year fixed rate mortgage average (PMMS)US3.62%2018-01-25
30-year fixed rate mortgage average (PMMS)US4.15%2018-01-25
Mortgage rate (loans to households for house purchase, new business) — ATAT1.80%2018-01-01
Mortgage rate (loans to households for house purchase, new business) — BEBE2.00%2018-01-01
Mortgage rate (loans to households for house purchase, new business) — CYCY2.53%2018-01-01
Mortgage rate (loans to households for house purchase, new business) — DEDE1.82%2018-01-01
Mortgage rate (loans to households for house purchase, new business) — EEEE2.38%2018-01-01
Mortgage rate (loans to households for house purchase, new business) — ESES1.90%2018-01-01
Mortgage rate (loans to households for house purchase, new business) — FIFI0.95%2018-01-01
Mortgage rate (loans to households for house purchase, new business) — FRFR1.61%2018-01-01
Mortgage rate (loans to households for house purchase, new business) — GRGR2.95%2018-01-01
Mortgage rate (loans to households for house purchase, new business) — IEIE3.05%2018-01-01
Mortgage rate (loans to households for house purchase, new business) — ITIT1.93%2018-01-01
Mortgage rate (loans to households for house purchase, new business) — LTLT2.20%2018-01-01
Mortgage rate (loans to households for house purchase, new business) — LULU1.72%2018-01-01
Mortgage rate (loans to households for house purchase, new business) — LVLV2.71%2018-01-01
Mortgage rate (loans to households for house purchase, new business) — MTMT2.76%2018-01-01
Mortgage rate (loans to households for house purchase, new business) — NLNL2.38%2018-01-01
Mortgage rate (loans to households for house purchase, new business) — PTPT1.44%2018-01-01
Mortgage rate (loans to households for house purchase, new business) — SISI2.41%2018-01-01
Mortgage rate (loans to households for house purchase, new business) — SKSK1.63%2018-01-01
Mortgage rate (loans to households for house purchase, new business) — U2U21.84%2018-01-01
OBMMI — 15-Year Fixed Rate ConformingUS3.88%2018-01-31
OBMMI — 30-Year Fixed Rate Conforming Mortgage IndexUS4.51%2018-01-31
OBMMI — 30-Year Fixed Rate Conforming, Non-AdjustedUS4.33%2018-01-31
OBMMI — FHA 30-Year FixedUS4.56%2018-01-31
OBMMI — Jumbo 30-Year FixedUS4.43%2018-01-31
OBMMI — LTV >80, FICO <680US4.94%2018-01-31
OBMMI — LTV >80, FICO ≥740US4.45%2018-01-31
OBMMI — LTV >80, FICO 680–699US4.69%2018-01-31
OBMMI — LTV >80, FICO 700–719US4.57%2018-01-31
OBMMI — LTV >80, FICO 720–739US4.52%2018-01-31
OBMMI — LTV ≤80, FICO <680US4.78%2018-01-31
OBMMI — LTV ≤80, FICO ≥740US4.37%2018-01-31
OBMMI — LTV ≤80, FICO 680–699US4.65%2018-01-31
OBMMI — LTV ≤80, FICO 700–719US4.53%2018-01-31
OBMMI — LTV ≤80, FICO 720–739US4.46%2018-01-31
OBMMI — USDA 30-Year FixedUS4.41%2018-01-31
OBMMI — VA 30-Year FixedUS4.29%2018-01-31
Posted rate (major chartered banks) — Conventional mortgage: 1-yearCA3.34%2018-01-31
Posted rate (major chartered banks) — Conventional mortgage: 3-yearCA4.15%2018-01-31
Posted rate (major chartered banks) — Conventional mortgage: 5-yearCA5.14%2018-01-31
Posted rate (major chartered banks) — Daily interest savings (balances over $100,000)CA0.05%2018-01-31
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-yearCA0.73%2018-01-31
Posted rate (major chartered banks) — Guaranteed investment certificates: 3-yearCA1.35%2018-01-31
Posted rate (major chartered banks) — Guaranteed investment certificates: 5-yearCA1.60%2018-01-31
Posted rate (major chartered banks) — Non-chequable savings depositsCA0.05%2018-01-31
Posted rate (major chartered banks) — Personal deposits: 5-year fixed termCA1.05%2018-01-31
Posted rate (major chartered banks) — Prime rateCA3.45%2018-01-31
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, <1 yearCA5.67%2018-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 1 to <3 yearsCA3.11%2018-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 3 to <5 yearsCA3.20%2018-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 5 years and overCA3.25%2018-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Variable rateCA3.13%2018-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured, TotalCA3.37%2018-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, <1 yearCA5.11%2018-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 1 to <3 yearsCA3.15%2018-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 3 to <5 yearsCA3.18%2018-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 5 years and overCA3.33%2018-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Variable rateCA3.16%2018-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured, TotalCA3.29%2018-01-01
UK 2-year fixed mortgage rate (75% LTV)GB1.54%2018-01-31
UK 5-year fixed mortgage rate (75% LTV)GB1.70%2018-01-31

Central bank policy rates

SeriesCountryRateAs of
Bank of Canada target for the overnight rateCA1.25%2018-01-31
Bank of England Bank RateGB0.50%2018-01-31
ECB deposit facility rateU2-0.40%2018-01-31

About this snapshot

115 series had published data by 2018-01-31. 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.