The Rate Engine

Interest rates in May 2022

Every rate we track, as it stood on 2022-05-31. 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.

2022-04 · 2022-06

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consumer-credit

SeriesCountryRateAs of
US personal loan rate, 24-month (commercial banks)US8.73%2022-05-01

Deposit & savings rates

SeriesCountryRateAs of
FDIC national average interest checking rateUS0.03%2022-05-01
FDIC national average savings rateUS0.07%2022-05-01
Household deposit rate (agreed maturity, new business) — ATAT0.23%2022-05-01
Household deposit rate (agreed maturity, new business) — BEBE0.14%2022-05-01
Household deposit rate (agreed maturity, new business) — BGBG0.11%2022-05-01
Household deposit rate (agreed maturity, new business) — CYCY0.05%2022-05-01
Household deposit rate (agreed maturity, new business) — DEDE0.35%2022-05-01
Household deposit rate (agreed maturity, new business) — EEEE0.72%2022-05-01
Household deposit rate (agreed maturity, new business) — ESES0.09%2022-05-01
Household deposit rate (agreed maturity, new business) — FIFI0.24%2022-05-01
Household deposit rate (agreed maturity, new business) — FRFR0.54%2022-05-01
Household deposit rate (agreed maturity, new business) — GRGR0.12%2022-05-01
Household deposit rate (agreed maturity, new business) — HRHR0.09%2022-05-01
Household deposit rate (agreed maturity, new business) — IEIE0.03%2022-05-01
Household deposit rate (agreed maturity, new business) — ITIT0.53%2022-05-01
Household deposit rate (agreed maturity, new business) — LTLT0.26%2022-05-01
Household deposit rate (agreed maturity, new business) — LULU0.17%2022-05-01
Household deposit rate (agreed maturity, new business) — LVLV0.28%2022-05-01
Household deposit rate (agreed maturity, new business) — MTMT0.42%2022-05-01
Household deposit rate (agreed maturity, new business) — NLNL1.13%2022-05-01
Household deposit rate (agreed maturity, new business) — PTPT0.04%2022-05-01
Household deposit rate (agreed maturity, new business) — SISI0.07%2022-05-01
Household deposit rate (agreed maturity, new business) — SKSK0.38%2022-05-01
Household deposit rate (agreed maturity, new business) — U2U20.27%2022-05-01
UK 2-year fixed rate savings bondGB0.88%2022-05-31
UK instant access savings rateGB0.26%2022-05-31

Government bond yields

Mortgage rates

SeriesCountryRateAs of
15-year fixed rate mortgage average (PMMS)US4.31%2022-05-26
30-year fixed rate mortgage average (PMMS)US5.10%2022-05-26
Mortgage rate (loans to households for house purchase, new business) — ATAT1.47%2022-05-01
Mortgage rate (loans to households for house purchase, new business) — BEBE1.78%2022-05-01
Mortgage rate (loans to households for house purchase, new business) — CYCY2.27%2022-05-01
Mortgage rate (loans to households for house purchase, new business) — DEDE2.25%2022-05-01
Mortgage rate (loans to households for house purchase, new business) — EEEE2.18%2022-05-01
Mortgage rate (loans to households for house purchase, new business) — ESES1.63%2022-05-01
Mortgage rate (loans to households for house purchase, new business) — FIFI1.13%2022-05-01
Mortgage rate (loans to households for house purchase, new business) — FRFR1.26%2022-05-01
Mortgage rate (loans to households for house purchase, new business) — GRGR2.88%2022-05-01
Mortgage rate (loans to households for house purchase, new business) — IEIE2.82%2022-05-01
Mortgage rate (loans to households for house purchase, new business) — ITIT1.97%2022-05-01
Mortgage rate (loans to households for house purchase, new business) — LTLT2.01%2022-05-01
Mortgage rate (loans to households for house purchase, new business) — LULU1.81%2022-05-01
Mortgage rate (loans to households for house purchase, new business) — LVLV2.42%2022-05-01
Mortgage rate (loans to households for house purchase, new business) — MTMT2.00%2022-05-01
Mortgage rate (loans to households for house purchase, new business) — NLNL2.03%2022-05-01
Mortgage rate (loans to households for house purchase, new business) — PTPT1.29%2022-05-01
Mortgage rate (loans to households for house purchase, new business) — SISI1.78%2022-05-01
Mortgage rate (loans to households for house purchase, new business) — SKSK1.63%2022-05-01
Mortgage rate (loans to households for house purchase, new business) — U2U21.78%2022-05-01
OBMMI — 15-Year Fixed Rate ConformingUS4.45%2022-05-31
OBMMI — 30-Year Fixed Rate Conforming Mortgage IndexUS5.34%2022-05-31
OBMMI — 30-Year Fixed Rate Conforming, Non-AdjustedUS5.12%2022-05-31
OBMMI — FHA 30-Year FixedUS5.25%2022-05-31
OBMMI — Jumbo 30-Year FixedUS4.92%2022-05-31
OBMMI — LTV >80, FICO <680US5.71%2022-05-31
OBMMI — LTV >80, FICO ≥740US5.28%2022-05-31
OBMMI — LTV >80, FICO 680–699US5.57%2022-05-31
OBMMI — LTV >80, FICO 700–719US5.47%2022-05-31
OBMMI — LTV >80, FICO 720–739US5.40%2022-05-31
OBMMI — LTV ≤80, FICO <680US5.67%2022-05-31
OBMMI — LTV ≤80, FICO ≥740US5.22%2022-05-31
OBMMI — LTV ≤80, FICO 680–699US5.51%2022-05-31
OBMMI — LTV ≤80, FICO 700–719US5.29%2022-05-31
OBMMI — LTV ≤80, FICO 720–739US5.26%2022-05-31
OBMMI — USDA 30-Year FixedUS5.19%2022-05-31
OBMMI — VA 30-Year FixedUS4.95%2022-05-31
Posted rate (major chartered banks) — Conventional mortgage: 1-yearCA3.79%2022-05-25
Posted rate (major chartered banks) — Conventional mortgage: 3-yearCA4.49%2022-05-25
Posted rate (major chartered banks) — Conventional mortgage: 5-yearCA5.39%2022-05-25
Posted rate (major chartered banks) — Daily interest savings (balances over $100,000)CA0.01%2022-05-25
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-yearCA1.25%2022-05-25
Posted rate (major chartered banks) — Guaranteed investment certificates: 3-yearCA2.20%2022-05-25
Posted rate (major chartered banks) — Guaranteed investment certificates: 5-yearCA2.50%2022-05-25
Posted rate (major chartered banks) — Non-chequable savings depositsCA0.01%2022-05-25
Posted rate (major chartered banks) — Personal deposits: 5-year fixed termCA1.90%2022-05-25
Posted rate (major chartered banks) — Prime rateCA3.20%2022-05-25
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, <1 yearCA5.79%2022-05-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 1 to <3 yearsCA3.37%2022-05-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 3 to <5 yearsCA3.36%2022-05-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 5 years and overCA3.31%2022-05-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Variable rateCA2.51%2022-05-01
Rate actually charged on new mortgage lending — Residential mortgages, insured, TotalCA3.15%2022-05-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, <1 yearCA5.25%2022-05-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 1 to <3 yearsCA3.44%2022-05-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 3 to <5 yearsCA3.10%2022-05-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 5 years and overCA3.41%2022-05-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Variable rateCA2.57%2022-05-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured, TotalCA2.96%2022-05-01
UK 2-year fixed mortgage rate (75% LTV)GB2.63%2022-05-31
UK 5-year fixed mortgage rate (75% LTV)GB2.56%2022-05-31

Central bank policy rates

SeriesCountryRateAs of
Bank of Canada target for the overnight rateCA1.00%2022-05-31
Bank of England Bank RateGB0.98%2022-05-31
ECB deposit facility rateU2-0.50%2022-05-31

About this snapshot

117 series had published data by 2022-05-31. 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.