The Rate Engine

Interest rates in January 2022

Every rate we track, as it stood on 2022-01-31. 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.

2021-12 · 2022-02

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consumer-credit

SeriesCountryRateAs of
US personal loan rate, 24-month (commercial banks)US9.09%2021-11-01

Deposit & savings rates

SeriesCountryRateAs of
FDIC national average interest checking rateUS0.03%2022-01-01
FDIC national average savings rateUS0.06%2022-01-01
Household deposit rate (agreed maturity, new business) — ATAT0.16%2022-01-01
Household deposit rate (agreed maturity, new business) — BEBE0.31%2022-01-01
Household deposit rate (agreed maturity, new business) — BGBG0.09%2022-01-01
Household deposit rate (agreed maturity, new business) — CYCY0.06%2022-01-01
Household deposit rate (agreed maturity, new business) — DEDE0.17%2022-01-01
Household deposit rate (agreed maturity, new business) — EEEE0.73%2022-01-01
Household deposit rate (agreed maturity, new business) — ESES0.04%2022-01-01
Household deposit rate (agreed maturity, new business) — FIFI0.26%2022-01-01
Household deposit rate (agreed maturity, new business) — FRFR0.57%2022-01-01
Household deposit rate (agreed maturity, new business) — GRGR0.14%2022-01-01
Household deposit rate (agreed maturity, new business) — HRHR0.07%2022-01-01
Household deposit rate (agreed maturity, new business) — IEIE0.12%2022-01-01
Household deposit rate (agreed maturity, new business) — ITIT0.56%2022-01-01
Household deposit rate (agreed maturity, new business) — LTLT0.13%2022-01-01
Household deposit rate (agreed maturity, new business) — LULU0.09%2022-01-01
Household deposit rate (agreed maturity, new business) — LVLV0.44%2022-01-01
Household deposit rate (agreed maturity, new business) — MTMT0.45%2022-01-01
Household deposit rate (agreed maturity, new business) — NLNL0.91%2022-01-01
Household deposit rate (agreed maturity, new business) — PTPT0.04%2022-01-01
Household deposit rate (agreed maturity, new business) — SISI0.07%2022-01-01
Household deposit rate (agreed maturity, new business) — SKSK0.38%2022-01-01
Household deposit rate (agreed maturity, new business) — U2U20.24%2022-01-01
UK 2-year fixed rate savings bondGB0.36%2022-01-31
UK instant access savings rateGB0.11%2022-01-31

Government bond yields

Mortgage rates

SeriesCountryRateAs of
15-year fixed rate mortgage average (PMMS)US2.80%2022-01-27
30-year fixed rate mortgage average (PMMS)US3.55%2022-01-27
Mortgage rate (loans to households for house purchase, new business) — ATAT1.17%2022-01-01
Mortgage rate (loans to households for house purchase, new business) — BEBE1.48%2022-01-01
Mortgage rate (loans to households for house purchase, new business) — CYCY2.07%2022-01-01
Mortgage rate (loans to households for house purchase, new business) — DEDE1.35%2022-01-01
Mortgage rate (loans to households for house purchase, new business) — EEEE2.10%2022-01-01
Mortgage rate (loans to households for house purchase, new business) — ESES1.43%2022-01-01
Mortgage rate (loans to households for house purchase, new business) — FIFI0.80%2022-01-01
Mortgage rate (loans to households for house purchase, new business) — FRFR1.12%2022-01-01
Mortgage rate (loans to households for house purchase, new business) — GRGR2.76%2022-01-01
Mortgage rate (loans to households for house purchase, new business) — IEIE2.72%2022-01-01
Mortgage rate (loans to households for house purchase, new business) — ITIT1.45%2022-01-01
Mortgage rate (loans to households for house purchase, new business) — LTLT2.06%2022-01-01
Mortgage rate (loans to households for house purchase, new business) — LULU1.38%2022-01-01
Mortgage rate (loans to households for house purchase, new business) — LVLV2.42%2022-01-01
Mortgage rate (loans to households for house purchase, new business) — MTMT1.58%2022-01-01
Mortgage rate (loans to households for house purchase, new business) — NLNL1.67%2022-01-01
Mortgage rate (loans to households for house purchase, new business) — PTPT0.83%2022-01-01
Mortgage rate (loans to households for house purchase, new business) — SISI1.63%2022-01-01
Mortgage rate (loans to households for house purchase, new business) — SKSK1.00%2022-01-01
Mortgage rate (loans to households for house purchase, new business) — U2U21.33%2022-01-01
OBMMI — 15-Year Fixed Rate ConformingUS2.97%2022-01-31
OBMMI — 30-Year Fixed Rate Conforming Mortgage IndexUS3.77%2022-01-31
OBMMI — 30-Year Fixed Rate Conforming, Non-AdjustedUS3.60%2022-01-31
OBMMI — FHA 30-Year FixedUS3.86%2022-01-31
OBMMI — Jumbo 30-Year FixedUS3.45%2022-01-31
OBMMI — LTV >80, FICO <680US4.11%2022-01-31
OBMMI — LTV >80, FICO ≥740US3.73%2022-01-31
OBMMI — LTV >80, FICO 680–699US3.90%2022-01-31
OBMMI — LTV >80, FICO 700–719US3.94%2022-01-31
OBMMI — LTV >80, FICO 720–739US3.83%2022-01-31
OBMMI — LTV ≤80, FICO <680US4.00%2022-01-31
OBMMI — LTV ≤80, FICO ≥740US3.66%2022-01-31
OBMMI — LTV ≤80, FICO 680–699US3.87%2022-01-31
OBMMI — LTV ≤80, FICO 700–719US3.78%2022-01-31
OBMMI — LTV ≤80, FICO 720–739US3.71%2022-01-31
OBMMI — USDA 30-Year FixedUS3.80%2022-01-31
OBMMI — VA 30-Year FixedUS3.56%2022-01-31
Posted rate (major chartered banks) — Conventional mortgage: 1-yearCA2.79%2022-01-26
Posted rate (major chartered banks) — Conventional mortgage: 3-yearCA3.49%2022-01-26
Posted rate (major chartered banks) — Conventional mortgage: 5-yearCA4.79%2022-01-26
Posted rate (major chartered banks) — Daily interest savings (balances over $100,000)CA0.01%2022-01-26
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-yearCA0.40%2022-01-26
Posted rate (major chartered banks) — Guaranteed investment certificates: 3-yearCA0.95%2022-01-26
Posted rate (major chartered banks) — Guaranteed investment certificates: 5-yearCA1.75%2022-01-26
Posted rate (major chartered banks) — Non-chequable savings depositsCA0.01%2022-01-26
Posted rate (major chartered banks) — Personal deposits: 5-year fixed termCA1.05%2022-01-26
Posted rate (major chartered banks) — Prime rateCA2.45%2022-01-26
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, <1 yearCA5.50%2022-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 1 to <3 yearsCA2.73%2022-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 3 to <5 yearsCA2.54%2022-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 5 years and overCA2.52%2022-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Variable rateCA1.47%2022-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured, TotalCA2.28%2022-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, <1 yearCA4.97%2022-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 1 to <3 yearsCA2.98%2022-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 3 to <5 yearsCA2.52%2022-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 5 years and overCA2.61%2022-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Variable rateCA1.50%2022-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured, TotalCA2.01%2022-01-01
UK 2-year fixed mortgage rate (75% LTV)GB1.64%2022-01-31
UK 5-year fixed mortgage rate (75% LTV)GB1.63%2022-01-31

Central bank policy rates

SeriesCountryRateAs of
Bank of Canada target for the overnight rateCA0.25%2022-01-31
Bank of England Bank RateGB0.25%2022-01-31
ECB deposit facility rateU2-0.50%2022-01-31

About this snapshot

117 series had published data by 2022-01-31. 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.