The Rate Engine

Interest rates in April 2022

Every rate we track, as it stood on 2022-04-30. 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.

2022-03 · 2022-05

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consumer-credit

SeriesCountryRateAs of
US personal loan rate, 24-month (commercial banks)US9.39%2022-02-01

Deposit & savings rates

SeriesCountryRateAs of
FDIC national average interest checking rateUS0.03%2022-04-01
FDIC national average savings rateUS0.06%2022-04-01
Household deposit rate (agreed maturity, new business) — ATAT0.20%2022-04-01
Household deposit rate (agreed maturity, new business) — BEBE0.14%2022-04-01
Household deposit rate (agreed maturity, new business) — BGBG0.08%2022-04-01
Household deposit rate (agreed maturity, new business) — CYCY0.05%2022-04-01
Household deposit rate (agreed maturity, new business) — DEDE0.24%2022-04-01
Household deposit rate (agreed maturity, new business) — EEEE0.58%2022-04-01
Household deposit rate (agreed maturity, new business) — ESES0.07%2022-04-01
Household deposit rate (agreed maturity, new business) — FIFI0.28%2022-04-01
Household deposit rate (agreed maturity, new business) — FRFR0.54%2022-04-01
Household deposit rate (agreed maturity, new business) — GRGR0.13%2022-04-01
Household deposit rate (agreed maturity, new business) — HRHR0.08%2022-04-01
Household deposit rate (agreed maturity, new business) — IEIE0.03%2022-04-01
Household deposit rate (agreed maturity, new business) — ITIT0.51%2022-04-01
Household deposit rate (agreed maturity, new business) — LTLT0.23%2022-04-01
Household deposit rate (agreed maturity, new business) — LULU0.19%2022-04-01
Household deposit rate (agreed maturity, new business) — LVLV0.40%2022-04-01
Household deposit rate (agreed maturity, new business) — MTMT0.43%2022-04-01
Household deposit rate (agreed maturity, new business) — NLNL1.08%2022-04-01
Household deposit rate (agreed maturity, new business) — PTPT0.04%2022-04-01
Household deposit rate (agreed maturity, new business) — SISI0.05%2022-04-01
Household deposit rate (agreed maturity, new business) — SKSK0.37%2022-04-01
Household deposit rate (agreed maturity, new business) — U2U20.26%2022-04-01
UK 2-year fixed rate savings bondGB0.68%2022-04-30
UK instant access savings rateGB0.22%2022-04-30

Government bond yields

Mortgage rates

SeriesCountryRateAs of
15-year fixed rate mortgage average (PMMS)US4.40%2022-04-28
30-year fixed rate mortgage average (PMMS)US5.10%2022-04-28
Mortgage rate (loans to households for house purchase, new business) — ATAT1.33%2022-04-01
Mortgage rate (loans to households for house purchase, new business) — BEBE1.65%2022-04-01
Mortgage rate (loans to households for house purchase, new business) — CYCY2.20%2022-04-01
Mortgage rate (loans to households for house purchase, new business) — DEDE1.94%2022-04-01
Mortgage rate (loans to households for house purchase, new business) — EEEE2.14%2022-04-01
Mortgage rate (loans to households for house purchase, new business) — ESES1.53%2022-04-01
Mortgage rate (loans to households for house purchase, new business) — FIFI0.96%2022-04-01
Mortgage rate (loans to households for house purchase, new business) — FRFR1.19%2022-04-01
Mortgage rate (loans to households for house purchase, new business) — GRGR2.77%2022-04-01
Mortgage rate (loans to households for house purchase, new business) — IEIE2.72%2022-04-01
Mortgage rate (loans to households for house purchase, new business) — ITIT1.83%2022-04-01
Mortgage rate (loans to households for house purchase, new business) — LTLT2.02%2022-04-01
Mortgage rate (loans to households for house purchase, new business) — LULU1.66%2022-04-01
Mortgage rate (loans to households for house purchase, new business) — LVLV2.36%2022-04-01
Mortgage rate (loans to households for house purchase, new business) — MTMT1.88%2022-04-01
Mortgage rate (loans to households for house purchase, new business) — NLNL1.88%2022-04-01
Mortgage rate (loans to households for house purchase, new business) — PTPT1.09%2022-04-01
Mortgage rate (loans to households for house purchase, new business) — SISI1.71%2022-04-01
Mortgage rate (loans to households for house purchase, new business) — SKSK1.34%2022-04-01
Mortgage rate (loans to households for house purchase, new business) — U2U21.61%2022-04-01
OBMMI — 15-Year Fixed Rate ConformingUS4.52%2022-04-29
OBMMI — 30-Year Fixed Rate Conforming Mortgage IndexUS5.42%2022-04-29
OBMMI — 30-Year Fixed Rate Conforming, Non-AdjustedUS5.24%2022-04-29
OBMMI — FHA 30-Year FixedUS5.28%2022-04-29
OBMMI — Jumbo 30-Year FixedUS4.89%2022-04-29
OBMMI — LTV >80, FICO <680US5.83%2022-04-29
OBMMI — LTV >80, FICO ≥740US5.38%2022-04-29
OBMMI — LTV >80, FICO 680–699US5.62%2022-04-29
OBMMI — LTV >80, FICO 700–719US5.58%2022-04-29
OBMMI — LTV >80, FICO 720–739US5.41%2022-04-29
OBMMI — LTV ≤80, FICO <680US5.68%2022-04-29
OBMMI — LTV ≤80, FICO ≥740US5.29%2022-04-29
OBMMI — LTV ≤80, FICO 680–699US5.57%2022-04-29
OBMMI — LTV ≤80, FICO 700–719US5.42%2022-04-29
OBMMI — LTV ≤80, FICO 720–739US5.34%2022-04-29
OBMMI — USDA 30-Year FixedUS5.20%2022-04-29
OBMMI — VA 30-Year FixedUS5.08%2022-04-29
Posted rate (major chartered banks) — Conventional mortgage: 1-yearCA3.29%2022-04-27
Posted rate (major chartered banks) — Conventional mortgage: 3-yearCA4.09%2022-04-27
Posted rate (major chartered banks) — Conventional mortgage: 5-yearCA4.99%2022-04-27
Posted rate (major chartered banks) — Daily interest savings (balances over $100,000)CA0.01%2022-04-27
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-yearCA1.25%2022-04-27
Posted rate (major chartered banks) — Guaranteed investment certificates: 3-yearCA1.75%2022-04-27
Posted rate (major chartered banks) — Guaranteed investment certificates: 5-yearCA2.50%2022-04-27
Posted rate (major chartered banks) — Non-chequable savings depositsCA0.01%2022-04-27
Posted rate (major chartered banks) — Personal deposits: 5-year fixed termCA1.90%2022-04-27
Posted rate (major chartered banks) — Prime rateCA3.20%2022-04-27
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, <1 yearCA5.56%2022-04-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 1 to <3 yearsCA3.08%2022-04-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 3 to <5 yearsCA3.05%2022-04-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 5 years and overCA3.14%2022-04-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Variable rateCA2.31%2022-04-01
Rate actually charged on new mortgage lending — Residential mortgages, insured, TotalCA2.93%2022-04-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, <1 yearCA4.89%2022-04-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 1 to <3 yearsCA3.27%2022-04-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 3 to <5 yearsCA2.92%2022-04-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 5 years and overCA3.26%2022-04-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Variable rateCA2.37%2022-04-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured, TotalCA2.75%2022-04-01
UK 2-year fixed mortgage rate (75% LTV)GB2.35%2022-04-30
UK 5-year fixed mortgage rate (75% LTV)GB2.26%2022-04-30

Central bank policy rates

SeriesCountryRateAs of
Bank of Canada target for the overnight rateCA1.00%2022-04-29
Bank of England Bank RateGB0.75%2022-04-30
ECB deposit facility rateU2-0.50%2022-04-30

About this snapshot

117 series had published data by 2022-04-30. 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.