The Rate Engine

Interest rates in November 2020

Every rate we track, as it stood on 2020-11-30. 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.

2020-10 · 2020-12

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consumer-credit

SeriesCountryRateAs of
US personal loan rate, 24-month (commercial banks)US9.65%2020-11-01

Deposit & savings rates

SeriesCountryRateAs of
Household deposit rate (agreed maturity, new business) — ATAT0.21%2020-11-01
Household deposit rate (agreed maturity, new business) — BEBE0.31%2020-11-01
Household deposit rate (agreed maturity, new business) — BGBG0.10%2020-11-01
Household deposit rate (agreed maturity, new business) — CYCY0.09%2020-11-01
Household deposit rate (agreed maturity, new business) — DEDE0.26%2020-11-01
Household deposit rate (agreed maturity, new business) — EEEE0.66%2020-11-01
Household deposit rate (agreed maturity, new business) — ESES0.09%2020-11-01
Household deposit rate (agreed maturity, new business) — FIFI0.10%2020-11-01
Household deposit rate (agreed maturity, new business) — FRFR0.59%2020-11-01
Household deposit rate (agreed maturity, new business) — GRGR0.21%2020-11-01
Household deposit rate (agreed maturity, new business) — HRHR0.09%2020-11-01
Household deposit rate (agreed maturity, new business) — IEIE0.02%2020-11-01
Household deposit rate (agreed maturity, new business) — ITIT0.70%2020-11-01
Household deposit rate (agreed maturity, new business) — LTLT0.12%2020-11-01
Household deposit rate (agreed maturity, new business) — LULU0.04%2020-11-01
Household deposit rate (agreed maturity, new business) — LVLV0.49%2020-11-01
Household deposit rate (agreed maturity, new business) — MTMT0.61%2020-11-01
Household deposit rate (agreed maturity, new business) — NLNL1.02%2020-11-01
Household deposit rate (agreed maturity, new business) — PTPT0.08%2020-11-01
Household deposit rate (agreed maturity, new business) — SISI0.18%2020-11-01
Household deposit rate (agreed maturity, new business) — SKSK0.70%2020-11-01
Household deposit rate (agreed maturity, new business) — U2U20.25%2020-11-01
UK 2-year fixed rate savings bondGB0.36%2020-11-30
UK instant access savings rateGB0.07%2020-11-30

Government bond yields

Mortgage rates

SeriesCountryRateAs of
15-year fixed rate mortgage average (PMMS)US2.28%2020-11-25
30-year fixed rate mortgage average (PMMS)US2.72%2020-11-25
Mortgage rate (loans to households for house purchase, new business) — ATAT1.25%2020-11-01
Mortgage rate (loans to households for house purchase, new business) — BEBE1.49%2020-11-01
Mortgage rate (loans to households for house purchase, new business) — CYCY2.08%2020-11-01
Mortgage rate (loans to households for house purchase, new business) — DEDE1.18%2020-11-01
Mortgage rate (loans to households for house purchase, new business) — EEEE2.40%2020-11-01
Mortgage rate (loans to households for house purchase, new business) — ESES1.64%2020-11-01
Mortgage rate (loans to households for house purchase, new business) — FIFI0.73%2020-11-01
Mortgage rate (loans to households for house purchase, new business) — FRFR1.27%2020-11-01
Mortgage rate (loans to households for house purchase, new business) — GRGR2.65%2020-11-01
Mortgage rate (loans to households for house purchase, new business) — IEIE2.81%2020-11-01
Mortgage rate (loans to households for house purchase, new business) — ITIT1.28%2020-11-01
Mortgage rate (loans to households for house purchase, new business) — LTLT2.24%2020-11-01
Mortgage rate (loans to households for house purchase, new business) — LULU1.30%2020-11-01
Mortgage rate (loans to households for house purchase, new business) — LVLV2.53%2020-11-01
Mortgage rate (loans to households for house purchase, new business) — MTMT2.33%2020-11-01
Mortgage rate (loans to households for house purchase, new business) — NLNL1.85%2020-11-01
Mortgage rate (loans to households for house purchase, new business) — PTPT0.88%2020-11-01
Mortgage rate (loans to households for house purchase, new business) — SISI1.96%2020-11-01
Mortgage rate (loans to households for house purchase, new business) — SKSK1.05%2020-11-01
Mortgage rate (loans to households for house purchase, new business) — U2U21.35%2020-11-01
OBMMI — 15-Year Fixed Rate ConformingUS2.37%2020-11-30
OBMMI — 30-Year Fixed Rate Conforming Mortgage IndexUS2.79%2020-11-30
OBMMI — 30-Year Fixed Rate Conforming, Non-AdjustedUS2.70%2020-11-30
OBMMI — FHA 30-Year FixedUS2.80%2020-11-30
OBMMI — Jumbo 30-Year FixedUS2.93%2020-11-30
OBMMI — LTV >80, FICO <680US3.26%2020-11-30
OBMMI — LTV >80, FICO ≥740US2.74%2020-11-30
OBMMI — LTV >80, FICO 680–699US2.93%2020-11-30
OBMMI — LTV >80, FICO 700–719US2.89%2020-11-30
OBMMI — LTV >80, FICO 720–739US2.79%2020-11-30
OBMMI — LTV ≤80, FICO <680US3.05%2020-11-30
OBMMI — LTV ≤80, FICO ≥740US2.72%2020-11-30
OBMMI — LTV ≤80, FICO 680–699US2.94%2020-11-30
OBMMI — LTV ≤80, FICO 700–719US2.84%2020-11-30
OBMMI — LTV ≤80, FICO 720–739US2.78%2020-11-30
OBMMI — USDA 30-Year FixedUS2.76%2020-11-30
OBMMI — VA 30-Year FixedUS2.42%2020-11-30
Posted rate (major chartered banks) — Conventional mortgage: 1-yearCA3.09%2020-11-25
Posted rate (major chartered banks) — Conventional mortgage: 3-yearCA3.59%2020-11-25
Posted rate (major chartered banks) — Conventional mortgage: 5-yearCA4.79%2020-11-25
Posted rate (major chartered banks) — Daily interest savings (balances over $100,000)CA0.01%2020-11-25
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-yearCA0.35%2020-11-25
Posted rate (major chartered banks) — Guaranteed investment certificates: 3-yearCA0.60%2020-11-25
Posted rate (major chartered banks) — Guaranteed investment certificates: 5-yearCA0.85%2020-11-25
Posted rate (major chartered banks) — Non-chequable savings depositsCA0.01%2020-11-25
Posted rate (major chartered banks) — Personal deposits: 5-year fixed termCA0.70%2020-11-25
Posted rate (major chartered banks) — Prime rateCA2.45%2020-11-25
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, <1 yearCA5.45%2020-11-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 1 to <3 yearsCA2.78%2020-11-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 3 to <5 yearsCA1.93%2020-11-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 5 years and overCA1.96%2020-11-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Variable rateCA2.07%2020-11-01
Rate actually charged on new mortgage lending — Residential mortgages, insured, TotalCA2.18%2020-11-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, <1 yearCA5.00%2020-11-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 1 to <3 yearsCA3.00%2020-11-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 3 to <5 yearsCA2.03%2020-11-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 5 years and overCA2.00%2020-11-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Variable rateCA1.95%2020-11-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured, TotalCA2.16%2020-11-01
UK 2-year fixed mortgage rate (75% LTV)GB1.92%2020-11-30
UK 5-year fixed mortgage rate (75% LTV)GB2.05%2020-11-30

Central bank policy rates

SeriesCountryRateAs of
Bank of Canada target for the overnight rateCA0.25%2020-11-30
Bank of England Bank RateGB0.10%2020-11-30
ECB deposit facility rateU2-0.50%2020-11-30

About this snapshot

115 series had published data by 2020-11-30. 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.