The Rate Engine

Interest rates in December 2019

Every rate we track, as it stood on 2019-12-31. 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.

2019-11 · 2020-01

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consumer-credit

SeriesCountryRateAs of
US personal loan rate, 24-month (commercial banks)US10.21%2019-11-01

Deposit & savings rates

SeriesCountryRateAs of
Household deposit rate (agreed maturity, new business) — ATAT0.26%2019-12-01
Household deposit rate (agreed maturity, new business) — BEBE0.28%2019-12-01
Household deposit rate (agreed maturity, new business) — BGBG0.20%2019-12-01
Household deposit rate (agreed maturity, new business) — CYCY0.16%2019-12-01
Household deposit rate (agreed maturity, new business) — DEDE0.22%2019-12-01
Household deposit rate (agreed maturity, new business) — EEEE0.84%2019-12-01
Household deposit rate (agreed maturity, new business) — ESES0.04%2019-12-01
Household deposit rate (agreed maturity, new business) — FIFI0.15%2019-12-01
Household deposit rate (agreed maturity, new business) — FRFR0.62%2019-12-01
Household deposit rate (agreed maturity, new business) — GRGR0.36%2019-11-01
Household deposit rate (agreed maturity, new business) — HRHR0.12%2019-12-01
Household deposit rate (agreed maturity, new business) — IEIE0.02%2019-12-01
Household deposit rate (agreed maturity, new business) — ITIT0.90%2019-12-01
Household deposit rate (agreed maturity, new business) — LTLT0.25%2019-12-01
Household deposit rate (agreed maturity, new business) — LULU0.24%2019-12-01
Household deposit rate (agreed maturity, new business) — LVLV0.70%2019-12-01
Household deposit rate (agreed maturity, new business) — MTMT0.54%2019-12-01
Household deposit rate (agreed maturity, new business) — NLNL1.24%2019-12-01
Household deposit rate (agreed maturity, new business) — PTPT0.08%2019-12-01
Household deposit rate (agreed maturity, new business) — SISI0.22%2019-12-01
Household deposit rate (agreed maturity, new business) — SKSK0.86%2019-12-01
Household deposit rate (agreed maturity, new business) — U2U20.28%2019-12-01
UK 2-year fixed rate savings bondGB1.03%2019-12-31
UK instant access savings rateGB0.41%2019-12-31

Government bond yields

Mortgage rates

SeriesCountryRateAs of
15-year fixed rate mortgage average (PMMS)US3.19%2019-12-26
30-year fixed rate mortgage average (PMMS)US3.74%2019-12-26
Mortgage rate (loans to households for house purchase, new business) — ATAT1.42%2019-12-01
Mortgage rate (loans to households for house purchase, new business) — BEBE1.65%2019-12-01
Mortgage rate (loans to households for house purchase, new business) — CYCY2.10%2019-12-01
Mortgage rate (loans to households for house purchase, new business) — DEDE1.29%2019-12-01
Mortgage rate (loans to households for house purchase, new business) — EEEE2.45%2019-12-01
Mortgage rate (loans to households for house purchase, new business) — ESES1.68%2019-12-01
Mortgage rate (loans to households for house purchase, new business) — FIFI0.78%2019-12-01
Mortgage rate (loans to households for house purchase, new business) — FRFR1.17%2019-12-01
Mortgage rate (loans to households for house purchase, new business) — GRGR2.87%2019-12-01
Mortgage rate (loans to households for house purchase, new business) — IEIE2.89%2019-12-01
Mortgage rate (loans to households for house purchase, new business) — ITIT1.43%2019-12-01
Mortgage rate (loans to households for house purchase, new business) — LTLT2.37%2019-12-01
Mortgage rate (loans to households for house purchase, new business) — LULU1.35%2019-12-01
Mortgage rate (loans to households for house purchase, new business) — LVLV2.60%2019-12-01
Mortgage rate (loans to households for house purchase, new business) — MTMT2.57%2019-12-01
Mortgage rate (loans to households for house purchase, new business) — NLNL2.00%2019-12-01
Mortgage rate (loans to households for house purchase, new business) — PTPT1.22%2019-12-01
Mortgage rate (loans to households for house purchase, new business) — SISI2.25%2019-12-01
Mortgage rate (loans to households for house purchase, new business) — SKSK1.10%2019-12-01
Mortgage rate (loans to households for house purchase, new business) — U2U21.41%2019-12-01
OBMMI — 15-Year Fixed Rate ConformingUS3.32%2019-12-31
OBMMI — 30-Year Fixed Rate Conforming Mortgage IndexUS3.93%2019-12-31
OBMMI — 30-Year Fixed Rate Conforming, Non-AdjustedUS3.76%2019-12-31
OBMMI — FHA 30-Year FixedUS3.87%2019-12-31
OBMMI — Jumbo 30-Year FixedUS4.00%2019-12-31
OBMMI — LTV >80, FICO <680US4.41%2019-12-31
OBMMI — LTV >80, FICO ≥740US3.86%2019-12-31
OBMMI — LTV >80, FICO 680–699US4.12%2019-12-31
OBMMI — LTV >80, FICO 700–719US4.07%2019-12-31
OBMMI — LTV >80, FICO 720–739US3.98%2019-12-31
OBMMI — LTV ≤80, FICO <680US4.31%2019-12-31
OBMMI — LTV ≤80, FICO ≥740US3.81%2019-12-31
OBMMI — LTV ≤80, FICO 680–699US4.00%2019-12-31
OBMMI — LTV ≤80, FICO 700–719US4.00%2019-12-31
OBMMI — LTV ≤80, FICO 720–739US3.87%2019-12-31
OBMMI — USDA 30-Year FixedUS3.83%2019-12-31
OBMMI — VA 30-Year FixedUS3.53%2019-12-31
Posted rate (major chartered banks) — Conventional mortgage: 1-yearCA3.64%2019-12-25
Posted rate (major chartered banks) — Conventional mortgage: 3-yearCA3.94%2019-12-25
Posted rate (major chartered banks) — Conventional mortgage: 5-yearCA5.19%2019-12-25
Posted rate (major chartered banks) — Daily interest savings (balances over $100,000)CA0.05%2019-12-25
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-yearCA1.35%2019-12-25
Posted rate (major chartered banks) — Guaranteed investment certificates: 3-yearCA1.80%2019-12-25
Posted rate (major chartered banks) — Guaranteed investment certificates: 5-yearCA2.00%2019-12-25
Posted rate (major chartered banks) — Non-chequable savings depositsCA0.05%2019-12-25
Posted rate (major chartered banks) — Personal deposits: 5-year fixed termCA1.45%2019-12-25
Posted rate (major chartered banks) — Prime rateCA3.95%2019-12-25
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, <1 yearCA5.46%2019-12-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 1 to <3 yearsCA3.41%2019-12-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 3 to <5 yearsCA2.89%2019-12-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 5 years and overCA2.88%2019-12-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Variable rateCA3.95%2019-12-01
Rate actually charged on new mortgage lending — Residential mortgages, insured, TotalCA3.23%2019-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, <1 yearCA5.05%2019-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 1 to <3 yearsCA3.46%2019-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 3 to <5 yearsCA2.93%2019-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 5 years and overCA2.94%2019-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Variable rateCA3.73%2019-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured, TotalCA3.17%2019-12-01
UK 2-year fixed mortgage rate (75% LTV)GB1.42%2019-12-31
UK 5-year fixed mortgage rate (75% LTV)GB1.54%2019-12-31

Central bank policy rates

SeriesCountryRateAs of
Bank of Canada target for the overnight rateCA1.75%2019-12-31
Bank of England Bank RateGB0.75%2019-12-31
ECB deposit facility rateU2-0.50%2019-12-31

About this snapshot

115 series had published data by 2019-12-31. 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.