The Rate Engine

Interest rates in December 2018

Every rate we track, as it stood on 2018-12-31. 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.

2018-11 · 2019-01

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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) — ATAT0.33%2018-12-01
Household deposit rate (agreed maturity, new business) — BEBE0.37%2018-12-01
Household deposit rate (agreed maturity, new business) — BGBG0.23%2018-12-01
Household deposit rate (agreed maturity, new business) — CYCY0.40%2018-12-01
Household deposit rate (agreed maturity, new business) — DEDE0.31%2018-12-01
Household deposit rate (agreed maturity, new business) — EEEE0.66%2018-12-01
Household deposit rate (agreed maturity, new business) — ESES0.05%2018-12-01
Household deposit rate (agreed maturity, new business) — FIFI0.23%2018-12-01
Household deposit rate (agreed maturity, new business) — FRFR0.87%2018-12-01
Household deposit rate (agreed maturity, new business) — GRGR0.58%2018-12-01
Household deposit rate (agreed maturity, new business) — HRHR0.29%2018-12-01
Household deposit rate (agreed maturity, new business) — IEIE0.04%2018-12-01
Household deposit rate (agreed maturity, new business) — ITIT0.85%2018-12-01
Household deposit rate (agreed maturity, new business) — LTLT0.31%2018-12-01
Household deposit rate (agreed maturity, new business) — LULU0.22%2018-12-01
Household deposit rate (agreed maturity, new business) — LVLV0.86%2018-12-01
Household deposit rate (agreed maturity, new business) — MTMT0.71%2018-12-01
Household deposit rate (agreed maturity, new business) — NLNL1.32%2018-12-01
Household deposit rate (agreed maturity, new business) — PTPT0.15%2018-12-01
Household deposit rate (agreed maturity, new business) — SISI0.33%2018-12-01
Household deposit rate (agreed maturity, new business) — SKSK1.05%2018-12-01
Household deposit rate (agreed maturity, new business) — U2U20.35%2018-12-01
UK 2-year fixed rate savings bondGB0.83%2018-12-31
UK instant access savings rateGB0.27%2018-12-31

Government bond yields

Mortgage rates

SeriesCountryRateAs of
15-year fixed rate mortgage average (PMMS)US4.01%2018-12-27
30-year fixed rate mortgage average (PMMS)US4.55%2018-12-27
Mortgage rate (loans to households for house purchase, new business) — ATAT1.81%2018-12-01
Mortgage rate (loans to households for house purchase, new business) — BEBE1.88%2018-12-01
Mortgage rate (loans to households for house purchase, new business) — CYCY2.12%2018-12-01
Mortgage rate (loans to households for house purchase, new business) — DEDE1.85%2018-12-01
Mortgage rate (loans to households for house purchase, new business) — EEEE2.53%2018-12-01
Mortgage rate (loans to households for house purchase, new business) — ESES1.97%2018-12-01
Mortgage rate (loans to households for house purchase, new business) — FIFI0.89%2018-12-01
Mortgage rate (loans to households for house purchase, new business) — FRFR1.48%2018-12-01
Mortgage rate (loans to households for house purchase, new business) — GRGR3.27%2018-12-01
Mortgage rate (loans to households for house purchase, new business) — IEIE2.97%2018-12-01
Mortgage rate (loans to households for house purchase, new business) — ITIT1.88%2018-12-01
Mortgage rate (loans to households for house purchase, new business) — LTLT2.40%2018-12-01
Mortgage rate (loans to households for house purchase, new business) — LULU1.67%2018-12-01
Mortgage rate (loans to households for house purchase, new business) — LVLV2.70%2018-12-01
Mortgage rate (loans to households for house purchase, new business) — MTMT2.76%2018-12-01
Mortgage rate (loans to households for house purchase, new business) — NLNL2.41%2018-12-01
Mortgage rate (loans to households for house purchase, new business) — PTPT1.64%2018-12-01
Mortgage rate (loans to households for house purchase, new business) — SISI2.44%2018-12-01
Mortgage rate (loans to households for house purchase, new business) — SKSK1.45%2018-12-01
Mortgage rate (loans to households for house purchase, new business) — U2U21.80%2018-12-01
OBMMI — 15-Year Fixed Rate ConformingUS4.19%2018-12-31
OBMMI — 30-Year Fixed Rate Conforming Mortgage IndexUS4.84%2018-12-31
OBMMI — 30-Year Fixed Rate Conforming, Non-AdjustedUS4.70%2018-12-31
OBMMI — FHA 30-Year FixedUS4.99%2018-12-31
OBMMI — Jumbo 30-Year FixedUS4.73%2018-12-31
OBMMI — LTV >80, FICO <680US5.23%2018-12-31
OBMMI — LTV >80, FICO ≥740US4.76%2018-12-31
OBMMI — LTV >80, FICO 680–699US5.02%2018-12-31
OBMMI — LTV >80, FICO 700–719US4.91%2018-12-31
OBMMI — LTV >80, FICO 720–739US4.91%2018-12-31
OBMMI — LTV ≤80, FICO <680US5.24%2018-12-31
OBMMI — LTV ≤80, FICO ≥740US4.70%2018-12-31
OBMMI — LTV ≤80, FICO 680–699US4.96%2018-12-31
OBMMI — LTV ≤80, FICO 700–719US4.81%2018-12-31
OBMMI — LTV ≤80, FICO 720–739US4.76%2018-12-31
OBMMI — USDA 30-Year FixedUS4.84%2018-12-31
OBMMI — VA 30-Year FixedUS4.75%2018-12-31
Posted rate (major chartered banks) — Conventional mortgage: 1-yearCA3.64%2018-12-26
Posted rate (major chartered banks) — Conventional mortgage: 3-yearCA4.29%2018-12-26
Posted rate (major chartered banks) — Conventional mortgage: 5-yearCA5.34%2018-12-26
Posted rate (major chartered banks) — Daily interest savings (balances over $100,000)CA0.05%2018-12-26
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-yearCA1.30%2018-12-26
Posted rate (major chartered banks) — Guaranteed investment certificates: 3-yearCA1.50%2018-12-26
Posted rate (major chartered banks) — Guaranteed investment certificates: 5-yearCA2.20%2018-12-26
Posted rate (major chartered banks) — Non-chequable savings depositsCA0.05%2018-12-26
Posted rate (major chartered banks) — Personal deposits: 5-year fixed termCA1.45%2018-12-26
Posted rate (major chartered banks) — Prime rateCA3.95%2018-12-26
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, <1 yearCA5.65%2018-12-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 1 to <3 yearsCA3.62%2018-12-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 3 to <5 yearsCA3.61%2018-12-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 5 years and overCA3.65%2018-12-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Variable rateCA3.40%2018-12-01
Rate actually charged on new mortgage lending — Residential mortgages, insured, TotalCA3.79%2018-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, <1 yearCA5.29%2018-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 1 to <3 yearsCA3.62%2018-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 3 to <5 yearsCA3.60%2018-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 5 years and overCA3.77%2018-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Variable rateCA3.50%2018-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured, TotalCA3.72%2018-12-01
UK 2-year fixed mortgage rate (75% LTV)GB1.73%2018-12-31
UK 5-year fixed mortgage rate (75% LTV)GB1.81%2018-12-31

Central bank policy rates

SeriesCountryRateAs of
Bank of Canada target for the overnight rateCA1.75%2018-12-31
Bank of England Bank RateGB0.75%2018-12-31
ECB deposit facility rateU2-0.40%2018-12-31

About this snapshot

115 series had published data by 2018-12-31. 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.