The Rate Engine

Interest rates in November 2018

Every rate we track, as it stood on 2018-11-30. 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.

2018-10 · 2018-12

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consumer-credit

SeriesCountryRateAs of
US personal loan rate, 24-month (commercial banks)US10.65%2018-11-01

Deposit & savings rates

SeriesCountryRateAs of
Household deposit rate (agreed maturity, new business) — ATAT0.30%2018-11-01
Household deposit rate (agreed maturity, new business) — BEBE0.33%2018-11-01
Household deposit rate (agreed maturity, new business) — BGBG0.29%2018-11-01
Household deposit rate (agreed maturity, new business) — CYCY0.55%2018-11-01
Household deposit rate (agreed maturity, new business) — DEDE0.35%2018-11-01
Household deposit rate (agreed maturity, new business) — EEEE0.72%2018-11-01
Household deposit rate (agreed maturity, new business) — ESES0.05%2018-11-01
Household deposit rate (agreed maturity, new business) — FIFI0.26%2018-11-01
Household deposit rate (agreed maturity, new business) — FRFR0.94%2018-11-01
Household deposit rate (agreed maturity, new business) — GRGR0.56%2018-11-01
Household deposit rate (agreed maturity, new business) — HRHR0.21%2018-11-01
Household deposit rate (agreed maturity, new business) — IEIE0.04%2018-11-01
Household deposit rate (agreed maturity, new business) — ITIT0.76%2018-11-01
Household deposit rate (agreed maturity, new business) — LTLT0.36%2018-11-01
Household deposit rate (agreed maturity, new business) — LULU0.12%2018-11-01
Household deposit rate (agreed maturity, new business) — LVLV0.86%2018-11-01
Household deposit rate (agreed maturity, new business) — MTMT0.72%2018-11-01
Household deposit rate (agreed maturity, new business) — NLNL1.36%2018-11-01
Household deposit rate (agreed maturity, new business) — PTPT0.15%2018-11-01
Household deposit rate (agreed maturity, new business) — SISI0.30%2018-11-01
Household deposit rate (agreed maturity, new business) — SKSK0.92%2018-11-01
Household deposit rate (agreed maturity, new business) — U2U20.33%2018-11-01
UK 2-year fixed rate savings bondGB0.94%2018-11-30
UK instant access savings rateGB0.27%2018-11-30

Government bond yields

Mortgage rates

SeriesCountryRateAs of
15-year fixed rate mortgage average (PMMS)US4.25%2018-11-29
30-year fixed rate mortgage average (PMMS)US4.81%2018-11-29
Mortgage rate (loans to households for house purchase, new business) — ATAT1.79%2018-11-01
Mortgage rate (loans to households for house purchase, new business) — BEBE1.86%2018-11-01
Mortgage rate (loans to households for house purchase, new business) — CYCY2.27%2018-11-01
Mortgage rate (loans to households for house purchase, new business) — DEDE1.88%2018-11-01
Mortgage rate (loans to households for house purchase, new business) — EEEE2.48%2018-11-01
Mortgage rate (loans to households for house purchase, new business) — ESES2.01%2018-11-01
Mortgage rate (loans to households for house purchase, new business) — FIFI0.89%2018-11-01
Mortgage rate (loans to households for house purchase, new business) — FRFR1.50%2018-11-01
Mortgage rate (loans to households for house purchase, new business) — GRGR3.15%2018-11-01
Mortgage rate (loans to households for house purchase, new business) — IEIE2.97%2018-11-01
Mortgage rate (loans to households for house purchase, new business) — ITIT1.90%2018-11-01
Mortgage rate (loans to households for house purchase, new business) — LTLT2.42%2018-11-01
Mortgage rate (loans to households for house purchase, new business) — LULU1.74%2018-11-01
Mortgage rate (loans to households for house purchase, new business) — LVLV2.82%2018-11-01
Mortgage rate (loans to households for house purchase, new business) — MTMT2.69%2018-11-01
Mortgage rate (loans to households for house purchase, new business) — NLNL2.43%2018-11-01
Mortgage rate (loans to households for house purchase, new business) — PTPT1.36%2018-11-01
Mortgage rate (loans to households for house purchase, new business) — SISI2.44%2018-11-01
Mortgage rate (loans to households for house purchase, new business) — SKSK1.46%2018-11-01
Mortgage rate (loans to households for house purchase, new business) — U2U21.81%2018-11-01
OBMMI — 15-Year Fixed Rate ConformingUS4.45%2018-11-30
OBMMI — 30-Year Fixed Rate Conforming Mortgage IndexUS5.11%2018-11-30
OBMMI — 30-Year Fixed Rate Conforming, Non-AdjustedUS4.89%2018-11-30
OBMMI — FHA 30-Year FixedUS5.21%2018-11-30
OBMMI — Jumbo 30-Year FixedUS5.01%2018-11-30
OBMMI — LTV >80, FICO <680US5.54%2018-11-30
OBMMI — LTV >80, FICO ≥740US5.01%2018-11-30
OBMMI — LTV >80, FICO 680–699US5.29%2018-11-30
OBMMI — LTV >80, FICO 700–719US5.17%2018-11-30
OBMMI — LTV >80, FICO 720–739US5.10%2018-11-30
OBMMI — LTV ≤80, FICO <680US5.32%2018-11-30
OBMMI — LTV ≤80, FICO ≥740US4.97%2018-11-30
OBMMI — LTV ≤80, FICO 680–699US5.24%2018-11-30
OBMMI — LTV ≤80, FICO 700–719US5.19%2018-11-30
OBMMI — LTV ≤80, FICO 720–739US5.05%2018-11-30
OBMMI — USDA 30-Year FixedUS5.13%2018-11-30
OBMMI — VA 30-Year FixedUS5.04%2018-11-30
Posted rate (major chartered banks) — Conventional mortgage: 1-yearCA3.64%2018-11-28
Posted rate (major chartered banks) — Conventional mortgage: 3-yearCA4.29%2018-11-28
Posted rate (major chartered banks) — Conventional mortgage: 5-yearCA5.34%2018-11-28
Posted rate (major chartered banks) — Daily interest savings (balances over $100,000)CA0.05%2018-11-28
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-yearCA1.30%2018-11-28
Posted rate (major chartered banks) — Guaranteed investment certificates: 3-yearCA1.50%2018-11-28
Posted rate (major chartered banks) — Guaranteed investment certificates: 5-yearCA2.20%2018-11-28
Posted rate (major chartered banks) — Non-chequable savings depositsCA0.05%2018-11-28
Posted rate (major chartered banks) — Personal deposits: 5-year fixed termCA1.45%2018-11-28
Posted rate (major chartered banks) — Prime rateCA3.95%2018-11-28
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, <1 yearCA5.54%2018-11-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 1 to <3 yearsCA3.50%2018-11-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 3 to <5 yearsCA3.54%2018-11-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 5 years and overCA3.58%2018-11-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Variable rateCA3.31%2018-11-01
Rate actually charged on new mortgage lending — Residential mortgages, insured, TotalCA3.66%2018-11-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, <1 yearCA5.26%2018-11-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 1 to <3 yearsCA3.50%2018-11-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 3 to <5 yearsCA3.52%2018-11-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 5 years and overCA3.77%2018-11-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Variable rateCA3.42%2018-11-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured, TotalCA3.64%2018-11-01
UK 2-year fixed mortgage rate (75% LTV)GB1.75%2018-11-30
UK 5-year fixed mortgage rate (75% LTV)GB1.82%2018-11-30

Central bank policy rates

SeriesCountryRateAs of
Bank of Canada target for the overnight rateCA1.75%2018-11-30
Bank of England Bank RateGB0.75%2018-11-30
ECB deposit facility rateU2-0.40%2018-11-30

About this snapshot

115 series had published data by 2018-11-30. 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.