The Rate Engine

Interest rates in July 2019

Every rate we track, as it stood on 2019-07-31. 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.

2019-06 · 2019-08

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consumer-credit

SeriesCountryRateAs of
US personal loan rate, 24-month (commercial banks)US10.63%2019-05-01

Deposit & savings rates

SeriesCountryRateAs of
Household deposit rate (agreed maturity, new business) — ATAT0.29%2019-07-01
Household deposit rate (agreed maturity, new business) — BEBE0.29%2019-07-01
Household deposit rate (agreed maturity, new business) — BGBG0.18%2019-07-01
Household deposit rate (agreed maturity, new business) — CYCY0.24%2019-07-01
Household deposit rate (agreed maturity, new business) — DEDE0.27%2019-07-01
Household deposit rate (agreed maturity, new business) — EEEE0.97%2019-07-01
Household deposit rate (agreed maturity, new business) — ESES0.05%2019-07-01
Household deposit rate (agreed maturity, new business) — FIFI0.23%2019-07-01
Household deposit rate (agreed maturity, new business) — FRFR0.98%2019-07-01
Household deposit rate (agreed maturity, new business) — GRGR0.57%2019-07-01
Household deposit rate (agreed maturity, new business) — HRHR0.15%2019-07-01
Household deposit rate (agreed maturity, new business) — IEIE0.04%2019-07-01
Household deposit rate (agreed maturity, new business) — ITIT0.84%2019-07-01
Household deposit rate (agreed maturity, new business) — LTLT0.24%2019-07-01
Household deposit rate (agreed maturity, new business) — LULU0.18%2019-07-01
Household deposit rate (agreed maturity, new business) — LVLV0.79%2019-07-01
Household deposit rate (agreed maturity, new business) — MTMT0.75%2019-07-01
Household deposit rate (agreed maturity, new business) — NLNL1.29%2019-07-01
Household deposit rate (agreed maturity, new business) — PTPT0.12%2019-07-01
Household deposit rate (agreed maturity, new business) — SISI0.23%2019-07-01
Household deposit rate (agreed maturity, new business) — SKSK0.98%2019-07-01
Household deposit rate (agreed maturity, new business) — U2U20.36%2019-07-01
UK 2-year fixed rate savings bondGB1.04%2019-07-31
UK instant access savings rateGB0.44%2019-07-31

Government bond yields

Mortgage rates

SeriesCountryRateAs of
15-year fixed rate mortgage average (PMMS)US3.18%2019-07-25
30-year fixed rate mortgage average (PMMS)US3.75%2019-07-25
Mortgage rate (loans to households for house purchase, new business) — ATAT1.66%2019-07-01
Mortgage rate (loans to households for house purchase, new business) — BEBE1.79%2019-07-01
Mortgage rate (loans to households for house purchase, new business) — CYCY2.07%2019-07-01
Mortgage rate (loans to households for house purchase, new business) — DEDE1.50%2019-07-01
Mortgage rate (loans to households for house purchase, new business) — EEEE2.69%2019-07-01
Mortgage rate (loans to households for house purchase, new business) — ESES1.97%2019-07-01
Mortgage rate (loans to households for house purchase, new business) — FIFI0.78%2019-07-01
Mortgage rate (loans to households for house purchase, new business) — FRFR1.34%2019-07-01
Mortgage rate (loans to households for house purchase, new business) — GRGR3.27%2019-07-01
Mortgage rate (loans to households for house purchase, new business) — IEIE2.96%2019-07-01
Mortgage rate (loans to households for house purchase, new business) — ITIT1.70%2019-07-01
Mortgage rate (loans to households for house purchase, new business) — LTLT2.48%2019-07-01
Mortgage rate (loans to households for house purchase, new business) — LULU1.52%2019-07-01
Mortgage rate (loans to households for house purchase, new business) — LVLV2.72%2019-07-01
Mortgage rate (loans to households for house purchase, new business) — MTMT2.72%2019-07-01
Mortgage rate (loans to households for house purchase, new business) — NLNL2.25%2019-07-01
Mortgage rate (loans to households for house purchase, new business) — PTPT1.52%2019-07-01
Mortgage rate (loans to households for house purchase, new business) — SISI2.40%2019-07-01
Mortgage rate (loans to households for house purchase, new business) — SKSK1.42%2019-07-01
Mortgage rate (loans to households for house purchase, new business) — U2U21.62%2019-07-01
OBMMI — 15-Year Fixed Rate ConformingUS3.37%2019-07-31
OBMMI — 30-Year Fixed Rate Conforming Mortgage IndexUS4.05%2019-07-31
OBMMI — 30-Year Fixed Rate Conforming, Non-AdjustedUS3.90%2019-07-31
OBMMI — FHA 30-Year FixedUS4.13%2019-07-31
OBMMI — Jumbo 30-Year FixedUS4.00%2019-07-31
OBMMI — LTV >80, FICO <680US4.67%2019-07-31
OBMMI — LTV >80, FICO ≥740US3.97%2019-07-31
OBMMI — LTV >80, FICO 680–699US4.24%2019-07-31
OBMMI — LTV >80, FICO 700–719US4.16%2019-07-31
OBMMI — LTV >80, FICO 720–739US4.09%2019-07-31
OBMMI — LTV ≤80, FICO <680US4.52%2019-07-31
OBMMI — LTV ≤80, FICO ≥740US3.93%2019-07-31
OBMMI — LTV ≤80, FICO 680–699US4.21%2019-07-31
OBMMI — LTV ≤80, FICO 700–719US4.13%2019-07-31
OBMMI — LTV ≤80, FICO 720–739US3.98%2019-07-31
OBMMI — USDA 30-Year FixedUS4.00%2019-07-31
OBMMI — VA 30-Year FixedUS3.75%2019-07-31
Posted rate (major chartered banks) — Conventional mortgage: 1-yearCA3.64%2019-07-31
Posted rate (major chartered banks) — Conventional mortgage: 3-yearCA4.29%2019-07-31
Posted rate (major chartered banks) — Conventional mortgage: 5-yearCA5.19%2019-07-31
Posted rate (major chartered banks) — Daily interest savings (balances over $100,000)CA0.05%2019-07-31
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-yearCA1.35%2019-07-31
Posted rate (major chartered banks) — Guaranteed investment certificates: 3-yearCA1.80%2019-07-31
Posted rate (major chartered banks) — Guaranteed investment certificates: 5-yearCA2.00%2019-07-31
Posted rate (major chartered banks) — Non-chequable savings depositsCA0.05%2019-07-31
Posted rate (major chartered banks) — Personal deposits: 5-year fixed termCA1.45%2019-07-31
Posted rate (major chartered banks) — Prime rateCA3.95%2019-07-31
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, <1 yearCA5.74%2019-07-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 1 to <3 yearsCA3.35%2019-07-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 3 to <5 yearsCA2.87%2019-07-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 5 years and overCA2.94%2019-07-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Variable rateCA4.08%2019-07-01
Rate actually charged on new mortgage lending — Residential mortgages, insured, TotalCA3.22%2019-07-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, <1 yearCA5.26%2019-07-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 1 to <3 yearsCA3.39%2019-07-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 3 to <5 yearsCA2.89%2019-07-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 5 years and overCA2.96%2019-07-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Variable rateCA3.72%2019-07-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured, TotalCA3.15%2019-07-01
UK 2-year fixed mortgage rate (75% LTV)GB1.61%2019-07-31
UK 5-year fixed mortgage rate (75% LTV)GB1.74%2019-07-31

Central bank policy rates

SeriesCountryRateAs of
Bank of Canada target for the overnight rateCA1.75%2019-07-31
Bank of England Bank RateGB0.75%2019-07-31
ECB deposit facility rateU2-0.40%2019-07-31

About this snapshot

115 series had published data by 2019-07-31. 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.