The Rate Engine

Interest rates in January 2019

Every rate we track, as it stood on 2019-01-31. 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.

2018-12 · 2019-02

auto

card

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%2019-01-01
Household deposit rate (agreed maturity, new business) — BEBE0.35%2019-01-01
Household deposit rate (agreed maturity, new business) — BGBG0.16%2019-01-01
Household deposit rate (agreed maturity, new business) — CYCY0.37%2019-01-01
Household deposit rate (agreed maturity, new business) — DEDE0.34%2019-01-01
Household deposit rate (agreed maturity, new business) — EEEE0.76%2019-01-01
Household deposit rate (agreed maturity, new business) — ESES0.05%2019-01-01
Household deposit rate (agreed maturity, new business) — FIFI0.31%2019-01-01
Household deposit rate (agreed maturity, new business) — FRFR0.88%2019-01-01
Household deposit rate (agreed maturity, new business) — GRGR0.61%2019-01-01
Household deposit rate (agreed maturity, new business) — HRHR0.16%2019-01-01
Household deposit rate (agreed maturity, new business) — IEIE0.04%2019-01-01
Household deposit rate (agreed maturity, new business) — ITIT0.89%2019-01-01
Household deposit rate (agreed maturity, new business) — LTLT0.28%2019-01-01
Household deposit rate (agreed maturity, new business) — LULU0.55%2019-01-01
Household deposit rate (agreed maturity, new business) — LVLV0.88%2019-01-01
Household deposit rate (agreed maturity, new business) — MTMT0.76%2019-01-01
Household deposit rate (agreed maturity, new business) — NLNL1.21%2019-01-01
Household deposit rate (agreed maturity, new business) — PTPT0.14%2019-01-01
Household deposit rate (agreed maturity, new business) — SISI0.31%2019-01-01
Household deposit rate (agreed maturity, new business) — SKSK1.02%2019-01-01
Household deposit rate (agreed maturity, new business) — U2U20.37%2019-01-01
UK 2-year fixed rate savings bondGB1.07%2019-01-31
UK instant access savings rateGB0.27%2019-01-31

Government bond yields

Mortgage rates

SeriesCountryRateAs of
15-year fixed rate mortgage average (PMMS)US3.89%2019-01-31
30-year fixed rate mortgage average (PMMS)US4.46%2019-01-31
Mortgage rate (loans to households for house purchase, new business) — ATAT1.77%2019-01-01
Mortgage rate (loans to households for house purchase, new business) — BEBE1.89%2019-01-01
Mortgage rate (loans to households for house purchase, new business) — CYCY2.16%2019-01-01
Mortgage rate (loans to households for house purchase, new business) — DEDE1.86%2019-01-01
Mortgage rate (loans to households for house purchase, new business) — EEEE2.46%2019-01-01
Mortgage rate (loans to households for house purchase, new business) — ESES2.06%2019-01-01
Mortgage rate (loans to households for house purchase, new business) — FIFI0.89%2019-01-01
Mortgage rate (loans to households for house purchase, new business) — FRFR1.50%2019-01-01
Mortgage rate (loans to households for house purchase, new business) — GRGR3.16%2019-01-01
Mortgage rate (loans to households for house purchase, new business) — IEIE2.99%2019-01-01
Mortgage rate (loans to households for house purchase, new business) — ITIT1.95%2019-01-01
Mortgage rate (loans to households for house purchase, new business) — LTLT2.47%2019-01-01
Mortgage rate (loans to households for house purchase, new business) — LULU1.71%2019-01-01
Mortgage rate (loans to households for house purchase, new business) — LVLV2.76%2019-01-01
Mortgage rate (loans to households for house purchase, new business) — MTMT2.60%2019-01-01
Mortgage rate (loans to households for house purchase, new business) — NLNL2.41%2019-01-01
Mortgage rate (loans to households for house purchase, new business) — PTPT1.68%2019-01-01
Mortgage rate (loans to households for house purchase, new business) — SISI2.45%2019-01-01
Mortgage rate (loans to households for house purchase, new business) — SKSK1.47%2019-01-01
Mortgage rate (loans to households for house purchase, new business) — U2U21.82%2019-01-01
OBMMI — 15-Year Fixed Rate ConformingUS3.95%2019-01-31
OBMMI — 30-Year Fixed Rate Conforming Mortgage IndexUS4.68%2019-01-31
OBMMI — 30-Year Fixed Rate Conforming, Non-AdjustedUS4.47%2019-01-31
OBMMI — FHA 30-Year FixedUS4.82%2019-01-31
OBMMI — Jumbo 30-Year FixedUS4.47%2019-01-31
OBMMI — LTV >80, FICO <680US5.21%2019-01-31
OBMMI — LTV >80, FICO ≥740US4.59%2019-01-31
OBMMI — LTV >80, FICO 680–699US4.84%2019-01-31
OBMMI — LTV >80, FICO 700–719US4.80%2019-01-31
OBMMI — LTV >80, FICO 720–739US4.73%2019-01-31
OBMMI — LTV ≤80, FICO <680US4.99%2019-01-31
OBMMI — LTV ≤80, FICO ≥740US4.55%2019-01-31
OBMMI — LTV ≤80, FICO 680–699US4.76%2019-01-31
OBMMI — LTV ≤80, FICO 700–719US4.68%2019-01-31
OBMMI — LTV ≤80, FICO 720–739US4.64%2019-01-31
OBMMI — USDA 30-Year FixedUS4.76%2019-01-31
OBMMI — VA 30-Year FixedUS4.57%2019-01-31
Posted rate (major chartered banks) — Conventional mortgage: 1-yearCA3.64%2019-01-30
Posted rate (major chartered banks) — Conventional mortgage: 3-yearCA4.29%2019-01-30
Posted rate (major chartered banks) — Conventional mortgage: 5-yearCA5.34%2019-01-30
Posted rate (major chartered banks) — Daily interest savings (balances over $100,000)CA0.05%2019-01-30
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-yearCA1.30%2019-01-30
Posted rate (major chartered banks) — Guaranteed investment certificates: 3-yearCA1.50%2019-01-30
Posted rate (major chartered banks) — Guaranteed investment certificates: 5-yearCA2.20%2019-01-30
Posted rate (major chartered banks) — Non-chequable savings depositsCA0.05%2019-01-30
Posted rate (major chartered banks) — Personal deposits: 5-year fixed termCA1.45%2019-01-30
Posted rate (major chartered banks) — Prime rateCA3.95%2019-01-30
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, <1 yearCA5.60%2019-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 1 to <3 yearsCA3.62%2019-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 3 to <5 yearsCA3.63%2019-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 5 years and overCA3.69%2019-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Variable rateCA3.52%2019-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured, TotalCA3.84%2019-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, <1 yearCA5.21%2019-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 1 to <3 yearsCA3.65%2019-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 3 to <5 yearsCA3.60%2019-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 5 years and overCA3.77%2019-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Variable rateCA3.48%2019-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured, TotalCA3.71%2019-01-01
UK 2-year fixed mortgage rate (75% LTV)GB1.72%2019-01-31
UK 5-year fixed mortgage rate (75% LTV)GB1.80%2019-01-31

Central bank policy rates

SeriesCountryRateAs of
Bank of Canada target for the overnight rateCA1.75%2019-01-31
Bank of England Bank RateGB0.75%2019-01-31
ECB deposit facility rateU2-0.40%2019-01-31

About this snapshot

115 series had published data by 2019-01-31. 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.