The Rate Engine

Interest rates in December 2020

Every rate we track, as it stood on 2020-12-31. 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.

2020-11 · 2021-01

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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) — ATAT0.29%2020-12-01
Household deposit rate (agreed maturity, new business) — BEBE0.52%2020-12-01
Household deposit rate (agreed maturity, new business) — BGBG0.14%2020-12-01
Household deposit rate (agreed maturity, new business) — CYCY0.08%2020-12-01
Household deposit rate (agreed maturity, new business) — DEDE0.13%2020-12-01
Household deposit rate (agreed maturity, new business) — EEEE0.62%2020-12-01
Household deposit rate (agreed maturity, new business) — ESES0.02%2020-12-01
Household deposit rate (agreed maturity, new business) — FIFI0.24%2020-12-01
Household deposit rate (agreed maturity, new business) — FRFR0.39%2020-12-01
Household deposit rate (agreed maturity, new business) — GRGR0.19%2020-12-01
Household deposit rate (agreed maturity, new business) — HRHR0.08%2020-12-01
Household deposit rate (agreed maturity, new business) — IEIE0.02%2020-12-01
Household deposit rate (agreed maturity, new business) — ITIT0.73%2020-12-01
Household deposit rate (agreed maturity, new business) — LTLT0.11%2020-12-01
Household deposit rate (agreed maturity, new business) — LULU-0.19%2020-12-01
Household deposit rate (agreed maturity, new business) — LVLV0.47%2020-12-01
Household deposit rate (agreed maturity, new business) — MTMT0.59%2020-12-01
Household deposit rate (agreed maturity, new business) — NLNL0.97%2020-12-01
Household deposit rate (agreed maturity, new business) — PTPT0.07%2020-12-01
Household deposit rate (agreed maturity, new business) — SISI0.17%2020-12-01
Household deposit rate (agreed maturity, new business) — SKSK0.72%2020-12-01
Household deposit rate (agreed maturity, new business) — U2U20.22%2020-12-01
UK 2-year fixed rate savings bondGB0.29%2020-12-31
UK instant access savings rateGB0.06%2020-12-31

Government bond yields

Mortgage rates

SeriesCountryRateAs of
15-year fixed rate mortgage average (PMMS)US2.17%2020-12-31
30-year fixed rate mortgage average (PMMS)US2.67%2020-12-31
Mortgage rate (loans to households for house purchase, new business) — ATAT1.26%2020-12-01
Mortgage rate (loans to households for house purchase, new business) — BEBE1.47%2020-12-01
Mortgage rate (loans to households for house purchase, new business) — CYCY2.15%2020-12-01
Mortgage rate (loans to households for house purchase, new business) — DEDE1.16%2020-12-01
Mortgage rate (loans to households for house purchase, new business) — EEEE2.38%2020-12-01
Mortgage rate (loans to households for house purchase, new business) — ESES1.50%2020-12-01
Mortgage rate (loans to households for house purchase, new business) — FIFI0.75%2020-12-01
Mortgage rate (loans to households for house purchase, new business) — FRFR1.24%2020-12-01
Mortgage rate (loans to households for house purchase, new business) — GRGR2.69%2020-12-01
Mortgage rate (loans to households for house purchase, new business) — IEIE2.79%2020-12-01
Mortgage rate (loans to households for house purchase, new business) — ITIT1.25%2020-12-01
Mortgage rate (loans to households for house purchase, new business) — LTLT2.21%2020-12-01
Mortgage rate (loans to households for house purchase, new business) — LULU1.25%2020-12-01
Mortgage rate (loans to households for house purchase, new business) — LVLV2.50%2020-12-01
Mortgage rate (loans to households for house purchase, new business) — MTMT2.13%2020-12-01
Mortgage rate (loans to households for house purchase, new business) — NLNL1.84%2020-12-01
Mortgage rate (loans to households for house purchase, new business) — PTPT0.83%2020-12-01
Mortgage rate (loans to households for house purchase, new business) — SISI1.96%2020-12-01
Mortgage rate (loans to households for house purchase, new business) — SKSK1.02%2020-12-01
Mortgage rate (loans to households for house purchase, new business) — U2U21.32%2020-12-01
OBMMI — 15-Year Fixed Rate ConformingUS2.27%2020-12-31
OBMMI — 30-Year Fixed Rate Conforming Mortgage IndexUS2.77%2020-12-31
OBMMI — 30-Year Fixed Rate Conforming, Non-AdjustedUS2.69%2020-12-31
OBMMI — FHA 30-Year FixedUS2.71%2020-12-31
OBMMI — Jumbo 30-Year FixedUS2.82%2020-12-31
OBMMI — LTV >80, FICO <680US3.21%2020-12-31
OBMMI — LTV >80, FICO ≥740US2.72%2020-12-31
OBMMI — LTV >80, FICO 680–699US2.89%2020-12-31
OBMMI — LTV >80, FICO 700–719US2.85%2020-12-31
OBMMI — LTV >80, FICO 720–739US2.80%2020-12-31
OBMMI — LTV ≤80, FICO <680US3.00%2020-12-31
OBMMI — LTV ≤80, FICO ≥740US2.71%2020-12-31
OBMMI — LTV ≤80, FICO 680–699US2.88%2020-12-31
OBMMI — LTV ≤80, FICO 700–719US2.84%2020-12-31
OBMMI — LTV ≤80, FICO 720–739US2.79%2020-12-31
OBMMI — USDA 30-Year FixedUS2.63%2020-12-31
OBMMI — VA 30-Year FixedUS2.35%2020-12-31
Posted rate (major chartered banks) — Conventional mortgage: 1-yearCA3.09%2020-12-30
Posted rate (major chartered banks) — Conventional mortgage: 3-yearCA3.49%2020-12-30
Posted rate (major chartered banks) — Conventional mortgage: 5-yearCA4.79%2020-12-30
Posted rate (major chartered banks) — Daily interest savings (balances over $100,000)CA0.01%2020-12-30
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-yearCA0.35%2020-12-30
Posted rate (major chartered banks) — Guaranteed investment certificates: 3-yearCA0.60%2020-12-30
Posted rate (major chartered banks) — Guaranteed investment certificates: 5-yearCA0.80%2020-12-30
Posted rate (major chartered banks) — Non-chequable savings depositsCA0.01%2020-12-30
Posted rate (major chartered banks) — Personal deposits: 5-year fixed termCA0.70%2020-12-30
Posted rate (major chartered banks) — Prime rateCA2.45%2020-12-30
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, <1 yearCA5.49%2020-12-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 1 to <3 yearsCA2.79%2020-12-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 3 to <5 yearsCA1.88%2020-12-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 5 years and overCA1.94%2020-12-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Variable rateCA1.98%2020-12-01
Rate actually charged on new mortgage lending — Residential mortgages, insured, TotalCA2.16%2020-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, <1 yearCA4.94%2020-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 1 to <3 yearsCA3.00%2020-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 3 to <5 yearsCA1.93%2020-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 5 years and overCA1.97%2020-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Variable rateCA1.86%2020-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured, TotalCA2.08%2020-12-01
UK 2-year fixed mortgage rate (75% LTV)GB1.86%2020-12-31
UK 5-year fixed mortgage rate (75% LTV)GB2.04%2020-12-31

Central bank policy rates

SeriesCountryRateAs of
Bank of Canada target for the overnight rateCA0.25%2020-12-31
Bank of England Bank RateGB0.10%2020-12-31
ECB deposit facility rateU2-0.50%2020-12-31

About this snapshot

115 series had published data by 2020-12-31. 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.