The Rate Engine

Interest rates in January 2020

Every rate we track, as it stood on 2020-01-31. 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.

2019-12 · 2020-02

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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) — ATAT0.20%2020-01-01
Household deposit rate (agreed maturity, new business) — BEBE0.12%2020-01-01
Household deposit rate (agreed maturity, new business) — BGBG0.15%2020-01-01
Household deposit rate (agreed maturity, new business) — CYCY0.19%2020-01-01
Household deposit rate (agreed maturity, new business) — DEDE0.25%2020-01-01
Household deposit rate (agreed maturity, new business) — EEEE0.92%2020-01-01
Household deposit rate (agreed maturity, new business) — ESES0.04%2020-01-01
Household deposit rate (agreed maturity, new business) — FIFI0.14%2020-01-01
Household deposit rate (agreed maturity, new business) — FRFR0.80%2020-01-01
Household deposit rate (agreed maturity, new business) — GRGR0.33%2020-01-01
Household deposit rate (agreed maturity, new business) — HRHR0.13%2020-01-01
Household deposit rate (agreed maturity, new business) — IEIE0.02%2020-01-01
Household deposit rate (agreed maturity, new business) — ITIT1.09%2020-01-01
Household deposit rate (agreed maturity, new business) — LTLT0.34%2020-01-01
Household deposit rate (agreed maturity, new business) — LULU0.11%2020-01-01
Household deposit rate (agreed maturity, new business) — LVLV0.56%2020-01-01
Household deposit rate (agreed maturity, new business) — MTMT0.64%2020-01-01
Household deposit rate (agreed maturity, new business) — NLNL1.00%2020-01-01
Household deposit rate (agreed maturity, new business) — PTPT0.11%2020-01-01
Household deposit rate (agreed maturity, new business) — SISI0.18%2020-01-01
Household deposit rate (agreed maturity, new business) — SKSK0.91%2020-01-01
Household deposit rate (agreed maturity, new business) — U2U20.32%2020-01-01
UK 2-year fixed rate savings bondGB0.97%2020-01-31
UK instant access savings rateGB0.41%2020-01-31

Government bond yields

Mortgage rates

SeriesCountryRateAs of
15-year fixed rate mortgage average (PMMS)US3.00%2020-01-30
30-year fixed rate mortgage average (PMMS)US3.51%2020-01-30
Mortgage rate (loans to households for house purchase, new business) — ATAT1.39%2020-01-01
Mortgage rate (loans to households for house purchase, new business) — BEBE1.69%2020-01-01
Mortgage rate (loans to households for house purchase, new business) — CYCY2.06%2020-01-01
Mortgage rate (loans to households for house purchase, new business) — DEDE1.34%2020-01-01
Mortgage rate (loans to households for house purchase, new business) — EEEE2.59%2020-01-01
Mortgage rate (loans to households for house purchase, new business) — ESES1.80%2020-01-01
Mortgage rate (loans to households for house purchase, new business) — FIFI0.80%2020-01-01
Mortgage rate (loans to households for house purchase, new business) — FRFR1.17%2020-01-01
Mortgage rate (loans to households for house purchase, new business) — GRGR2.80%2020-01-01
Mortgage rate (loans to households for house purchase, new business) — IEIE2.88%2020-01-01
Mortgage rate (loans to households for house purchase, new business) — ITIT1.44%2020-01-01
Mortgage rate (loans to households for house purchase, new business) — LTLT2.36%2020-01-01
Mortgage rate (loans to households for house purchase, new business) — LULU1.39%2020-01-01
Mortgage rate (loans to households for house purchase, new business) — LVLV2.53%2020-01-01
Mortgage rate (loans to households for house purchase, new business) — MTMT2.79%2020-01-01
Mortgage rate (loans to households for house purchase, new business) — NLNL1.98%2020-01-01
Mortgage rate (loans to households for house purchase, new business) — PTPT1.24%2020-01-01
Mortgage rate (loans to households for house purchase, new business) — SISI2.23%2020-01-01
Mortgage rate (loans to households for house purchase, new business) — SKSK1.09%2020-01-01
Mortgage rate (loans to households for house purchase, new business) — U2U21.43%2020-01-01
OBMMI — 15-Year Fixed Rate ConformingUS3.09%2020-01-31
OBMMI — 30-Year Fixed Rate Conforming Mortgage IndexUS3.65%2020-01-31
OBMMI — 30-Year Fixed Rate Conforming, Non-AdjustedUS3.46%2020-01-31
OBMMI — FHA 30-Year FixedUS3.83%2020-01-31
OBMMI — Jumbo 30-Year FixedUS3.73%2020-01-31
OBMMI — LTV >80, FICO <680US4.27%2020-01-31
OBMMI — LTV >80, FICO ≥740US3.60%2020-01-31
OBMMI — LTV >80, FICO 680–699US3.94%2020-01-31
OBMMI — LTV >80, FICO 700–719US3.87%2020-01-31
OBMMI — LTV >80, FICO 720–739US3.69%2020-01-31
OBMMI — LTV ≤80, FICO <680US4.07%2020-01-31
OBMMI — LTV ≤80, FICO ≥740US3.52%2020-01-31
OBMMI — LTV ≤80, FICO 680–699US3.79%2020-01-31
OBMMI — LTV ≤80, FICO 700–719US3.71%2020-01-31
OBMMI — LTV ≤80, FICO 720–739US3.62%2020-01-31
OBMMI — USDA 30-Year FixedUS3.75%2020-01-31
OBMMI — VA 30-Year FixedUS3.41%2020-01-31
Posted rate (major chartered banks) — Conventional mortgage: 1-yearCA3.64%2020-01-29
Posted rate (major chartered banks) — Conventional mortgage: 3-yearCA3.94%2020-01-29
Posted rate (major chartered banks) — Conventional mortgage: 5-yearCA5.19%2020-01-29
Posted rate (major chartered banks) — Daily interest savings (balances over $100,000)CA0.05%2020-01-29
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-yearCA1.35%2020-01-29
Posted rate (major chartered banks) — Guaranteed investment certificates: 3-yearCA1.80%2020-01-29
Posted rate (major chartered banks) — Guaranteed investment certificates: 5-yearCA2.00%2020-01-29
Posted rate (major chartered banks) — Non-chequable savings depositsCA0.05%2020-01-29
Posted rate (major chartered banks) — Personal deposits: 5-year fixed termCA1.45%2020-01-29
Posted rate (major chartered banks) — Prime rateCA3.95%2020-01-29
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, <1 yearCA5.37%2020-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 1 to <3 yearsCA3.41%2020-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 3 to <5 yearsCA2.92%2020-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 5 years and overCA2.91%2020-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Variable rateCA3.90%2020-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured, TotalCA3.24%2020-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, <1 yearCA5.08%2020-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 1 to <3 yearsCA3.43%2020-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 3 to <5 yearsCA2.96%2020-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 5 years and overCA2.97%2020-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Variable rateCA3.65%2020-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured, TotalCA3.20%2020-01-01
UK 2-year fixed mortgage rate (75% LTV)GB1.41%2020-01-31
UK 5-year fixed mortgage rate (75% LTV)GB1.57%2020-01-31

Central bank policy rates

SeriesCountryRateAs of
Bank of Canada target for the overnight rateCA1.75%2020-01-31
Bank of England Bank RateGB0.75%2020-01-31
ECB deposit facility rateU2-0.50%2020-01-31

About this snapshot

115 series had published data by 2020-01-31. 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.