Interest rates in December 2021

Every rate we track, as it stood on 2021-12-31. 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.

← 2021-11 · 2022-01 →

auto

Series	Country	Rate	As of
US new car loan rate, 48-month (commercial banks)	US	4.58%	2021-11-01
US new car loan rate, 60-month (commercial banks)	US	4.67%	2021-11-01
US new car loan rate, 72-month (commercial banks)	US	4.64%	2021-11-01

card

Series	Country	Rate	As of
US credit card interest rate, accounts assessed interest	US	16.44%	2021-11-01
US credit card interest rate, all accounts	US	14.51%	2021-11-01

consumer-credit

Series	Country	Rate	As of
US personal loan rate, 24-month (commercial banks)	US	9.09%	2021-11-01

Deposit & savings rates

Series	Country	Rate	As of
FDIC national average interest checking rate	US	0.03%	2021-12-01
FDIC national average savings rate	US	0.06%	2021-12-01
Household deposit rate (agreed maturity, new business) — AT	AT	0.19%	2021-12-01
Household deposit rate (agreed maturity, new business) — BE	BE	0.18%	2021-12-01
Household deposit rate (agreed maturity, new business) — BG	BG	0.08%	2021-12-01
Household deposit rate (agreed maturity, new business) — CY	CY	0.07%	2021-12-01
Household deposit rate (agreed maturity, new business) — DE	DE	0.08%	2021-12-01
Household deposit rate (agreed maturity, new business) — EE	EE	0.75%	2021-12-01
Household deposit rate (agreed maturity, new business) — ES	ES	0.06%	2021-12-01
Household deposit rate (agreed maturity, new business) — FI	FI	0.25%	2021-12-01
Household deposit rate (agreed maturity, new business) — FR	FR	0.42%	2021-12-01
Household deposit rate (agreed maturity, new business) — GR	GR	0.14%	2021-12-01
Household deposit rate (agreed maturity, new business) — HR	HR	0.09%	2021-12-01
Household deposit rate (agreed maturity, new business) — IE	IE	0.13%	2021-12-01
Household deposit rate (agreed maturity, new business) — IT	IT	0.57%	2021-12-01
Household deposit rate (agreed maturity, new business) — LT	LT	0.06%	2021-12-01
Household deposit rate (agreed maturity, new business) — LU	LU	0.09%	2021-12-01
Household deposit rate (agreed maturity, new business) — LV	LV	0.37%	2021-12-01
Household deposit rate (agreed maturity, new business) — MT	MT	0.41%	2021-12-01
Household deposit rate (agreed maturity, new business) — NL	NL	0.92%	2021-12-01
Household deposit rate (agreed maturity, new business) — PT	PT	0.04%	2021-12-01
Household deposit rate (agreed maturity, new business) — SI	SI	0.08%	2021-12-01
Household deposit rate (agreed maturity, new business) — SK	SK	0.77%	2021-12-01
Household deposit rate (agreed maturity, new business) — U2	U2	0.23%	2021-12-01
UK 2-year fixed rate savings bond	GB	0.31%	2021-12-31
UK instant access savings rate	GB	0.11%	2021-12-31

Government bond yields

Series	Country	Rate	As of
Euro area AAA government bond yield — 10-year spot	U2	-0.19%	2021-12-31
Government of Canada benchmark bond yield — Benchmark bond yield: 10 year	CA	1.42%	2021-12-31
Government of Canada benchmark bond yield — Benchmark bond yield: 2 year	CA	0.95%	2021-12-31
Government of Canada benchmark bond yield — Benchmark bond yield: 3 year	CA	1.02%	2021-12-31
Government of Canada benchmark bond yield — Benchmark bond yield: 5 year	CA	1.25%	2021-12-31
Government of Canada benchmark bond yield — Benchmark bond yield: 7 year	CA	1.27%	2021-12-31
Government of Canada benchmark bond yield — Benchmark bond yield: long-term	CA	1.68%	2021-12-31
Government of Canada benchmark bond yield — Real Return Bonds yield: long-term	CA	-0.14%	2021-12-31
U.S. Treasury par yield — 1-month	US	0.06%	2021-12-31
U.S. Treasury par yield — 1-year	US	0.39%	2021-12-31
U.S. Treasury par yield — 10-year	US	1.52%	2021-12-31
U.S. Treasury par yield — 2-year	US	0.73%	2021-12-31
U.S. Treasury par yield — 20-year	US	1.94%	2021-12-31
U.S. Treasury par yield — 3-month	US	0.06%	2021-12-31
U.S. Treasury par yield — 3-year	US	0.97%	2021-12-31
U.S. Treasury par yield — 30-year	US	1.90%	2021-12-31
U.S. Treasury par yield — 5-year	US	1.26%	2021-12-31
U.S. Treasury par yield — 6-month	US	0.19%	2021-12-31
U.S. Treasury par yield — 7-year	US	1.44%	2021-12-31

Mortgage rates

Series	Country	Rate	As of
15-year fixed rate mortgage average (PMMS)	US	2.33%	2021-12-30
30-year fixed rate mortgage average (PMMS)	US	3.11%	2021-12-30
Mortgage rate (loans to households for house purchase, new business) — AT	AT	1.22%	2021-12-01
Mortgage rate (loans to households for house purchase, new business) — BE	BE	1.48%	2021-12-01
Mortgage rate (loans to households for house purchase, new business) — CY	CY	2.22%	2021-12-01
Mortgage rate (loans to households for house purchase, new business) — DE	DE	1.32%	2021-12-01
Mortgage rate (loans to households for house purchase, new business) — EE	EE	2.06%	2021-12-01
Mortgage rate (loans to households for house purchase, new business) — ES	ES	1.38%	2021-12-01
Mortgage rate (loans to households for house purchase, new business) — FI	FI	0.79%	2021-12-01
Mortgage rate (loans to households for house purchase, new business) — FR	FR	1.10%	2021-12-01
Mortgage rate (loans to households for house purchase, new business) — GR	GR	2.53%	2021-12-01
Mortgage rate (loans to households for house purchase, new business) — IE	IE	2.72%	2021-12-01
Mortgage rate (loans to households for house purchase, new business) — IT	IT	1.40%	2021-12-01
Mortgage rate (loans to households for house purchase, new business) — LT	LT	2.07%	2021-12-01
Mortgage rate (loans to households for house purchase, new business) — LU	LU	1.36%	2021-12-01
Mortgage rate (loans to households for house purchase, new business) — LV	LV	2.34%	2021-12-01
Mortgage rate (loans to households for house purchase, new business) — MT	MT	1.92%	2021-12-01
Mortgage rate (loans to households for house purchase, new business) — NL	NL	1.65%	2021-12-01
Mortgage rate (loans to households for house purchase, new business) — PT	PT	0.83%	2021-12-01
Mortgage rate (loans to households for house purchase, new business) — SI	SI	1.68%	2021-12-01
Mortgage rate (loans to households for house purchase, new business) — SK	SK	0.93%	2021-12-01
Mortgage rate (loans to households for house purchase, new business) — U2	U2	1.31%	2021-12-01
OBMMI — 15-Year Fixed Rate Conforming	US	2.49%	2021-12-30
OBMMI — 30-Year Fixed Rate Conforming Mortgage Index	US	3.35%	2021-12-30
OBMMI — 30-Year Fixed Rate Conforming, Non-Adjusted	US	3.15%	2021-12-30
OBMMI — FHA 30-Year Fixed	US	3.45%	2021-12-30
OBMMI — Jumbo 30-Year Fixed	US	3.23%	2021-12-30
OBMMI — LTV >80, FICO <680	US	3.90%	2021-12-30
OBMMI — LTV >80, FICO ≥740	US	3.30%	2021-12-30
OBMMI — LTV >80, FICO 680–699	US	3.51%	2021-12-30
OBMMI — LTV >80, FICO 700–719	US	3.45%	2021-12-30
OBMMI — LTV >80, FICO 720–739	US	3.37%	2021-12-30
OBMMI — LTV ≤80, FICO <680	US	3.64%	2021-12-30
OBMMI — LTV ≤80, FICO ≥740	US	3.21%	2021-12-30
OBMMI — LTV ≤80, FICO 680–699	US	3.43%	2021-12-30
OBMMI — LTV ≤80, FICO 700–719	US	3.35%	2021-12-30
OBMMI — LTV ≤80, FICO 720–739	US	3.27%	2021-12-30
OBMMI — USDA 30-Year Fixed	US	3.37%	2021-12-30
OBMMI — VA 30-Year Fixed	US	3.02%	2021-12-30
Posted rate (major chartered banks) — Conventional mortgage: 1-year	CA	2.79%	2021-12-29
Posted rate (major chartered banks) — Conventional mortgage: 3-year	CA	3.49%	2021-12-29
Posted rate (major chartered banks) — Conventional mortgage: 5-year	CA	4.79%	2021-12-29
Posted rate (major chartered banks) — Daily interest savings (balances over $100,000)	CA	0.01%	2021-12-29
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-year	CA	0.35%	2021-12-29
Posted rate (major chartered banks) — Guaranteed investment certificates: 3-year	CA	0.95%	2021-12-29
Posted rate (major chartered banks) — Guaranteed investment certificates: 5-year	CA	1.25%	2021-12-29
Posted rate (major chartered banks) — Non-chequable savings deposits	CA	0.01%	2021-12-29
Posted rate (major chartered banks) — Personal deposits: 5-year fixed term	CA	1.28%	2021-12-29
Posted rate (major chartered banks) — Prime rate	CA	2.45%	2021-12-29
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, <1 year	CA	5.58%	2021-12-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 1 to <3 years	CA	2.73%	2021-12-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 3 to <5 years	CA	2.40%	2021-12-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 5 years and over	CA	2.38%	2021-12-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Variable rate	CA	1.46%	2021-12-01
Rate actually charged on new mortgage lending — Residential mortgages, insured, Total	CA	2.25%	2021-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, <1 year	CA	4.81%	2021-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 1 to <3 years	CA	2.97%	2021-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 3 to <5 years	CA	2.42%	2021-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 5 years and over	CA	2.51%	2021-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Variable rate	CA	1.48%	2021-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured, Total	CA	1.99%	2021-12-01
UK 2-year fixed mortgage rate (75% LTV)	GB	1.57%	2021-12-31
UK 5-year fixed mortgage rate (75% LTV)	GB	1.39%	2021-12-31

Central bank policy rates

Series	Country	Rate	As of
Bank of Canada target for the overnight rate	CA	0.25%	2021-12-31
Bank of England Bank Rate	GB	0.17%	2021-12-31
ECB deposit facility rate	U2	-0.50%	2021-12-31

About this snapshot

117 series had published data by 2021-12-31. 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.