The Rate Engine

Interest rates in July 2022

Every rate we track, as it stood on 2022-07-31. 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.

2022-06 · 2022-08

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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%2022-07-01
FDIC national average savings rateUS0.10%2022-07-01
Household deposit rate (agreed maturity, new business) — ATAT0.41%2022-07-01
Household deposit rate (agreed maturity, new business) — BEBE0.22%2022-07-01
Household deposit rate (agreed maturity, new business) — BGBG0.35%2022-07-01
Household deposit rate (agreed maturity, new business) — CYCY0.06%2022-07-01
Household deposit rate (agreed maturity, new business) — DEDE0.48%2022-07-01
Household deposit rate (agreed maturity, new business) — EEEE0.81%2022-07-01
Household deposit rate (agreed maturity, new business) — ESES0.15%2022-07-01
Household deposit rate (agreed maturity, new business) — FIFI0.40%2022-07-01
Household deposit rate (agreed maturity, new business) — FRFR0.75%2022-07-01
Household deposit rate (agreed maturity, new business) — GRGR0.13%2022-07-01
Household deposit rate (agreed maturity, new business) — HRHR0.10%2022-07-01
Household deposit rate (agreed maturity, new business) — IEIE0.11%2022-07-01
Household deposit rate (agreed maturity, new business) — ITIT0.91%2022-07-01
Household deposit rate (agreed maturity, new business) — LTLT0.62%2022-07-01
Household deposit rate (agreed maturity, new business) — LULU0.19%2022-07-01
Household deposit rate (agreed maturity, new business) — LVLV0.25%2022-07-01
Household deposit rate (agreed maturity, new business) — MTMT0.55%2022-07-01
Household deposit rate (agreed maturity, new business) — NLNL1.45%2022-07-01
Household deposit rate (agreed maturity, new business) — PTPT0.11%2022-07-01
Household deposit rate (agreed maturity, new business) — SISI0.17%2022-07-01
Household deposit rate (agreed maturity, new business) — SKSK0.56%2022-07-01
Household deposit rate (agreed maturity, new business) — U2U20.42%2022-07-01
UK 2-year fixed rate savings bondGB1.24%2022-07-31
UK instant access savings rateGB0.42%2022-07-31

Government bond yields

Mortgage rates

SeriesCountryRateAs of
15-year fixed rate mortgage average (PMMS)US4.58%2022-07-28
30-year fixed rate mortgage average (PMMS)US5.30%2022-07-28
Mortgage rate (loans to households for house purchase, new business) — ATAT1.83%2022-07-01
Mortgage rate (loans to households for house purchase, new business) — BEBE2.16%2022-07-01
Mortgage rate (loans to households for house purchase, new business) — CYCY2.54%2022-07-01
Mortgage rate (loans to households for house purchase, new business) — DEDE2.82%2022-07-01
Mortgage rate (loans to households for house purchase, new business) — EEEE2.49%2022-07-01
Mortgage rate (loans to households for house purchase, new business) — ESES1.81%2022-07-01
Mortgage rate (loans to households for house purchase, new business) — FIFI1.66%2022-07-01
Mortgage rate (loans to households for house purchase, new business) — FRFR1.45%2022-07-01
Mortgage rate (loans to households for house purchase, new business) — GRGR2.99%2022-07-01
Mortgage rate (loans to households for house purchase, new business) — IEIE2.76%2022-07-01
Mortgage rate (loans to households for house purchase, new business) — ITIT2.41%2022-07-01
Mortgage rate (loans to households for house purchase, new business) — LTLT2.42%2022-07-01
Mortgage rate (loans to households for house purchase, new business) — LULU2.12%2022-07-01
Mortgage rate (loans to households for house purchase, new business) — LVLV2.63%2022-07-01
Mortgage rate (loans to households for house purchase, new business) — MTMT1.95%2022-07-01
Mortgage rate (loans to households for house purchase, new business) — NLNL2.43%2022-07-01
Mortgage rate (loans to households for house purchase, new business) — PTPT1.82%2022-07-01
Mortgage rate (loans to households for house purchase, new business) — SISI2.17%2022-07-01
Mortgage rate (loans to households for house purchase, new business) — SKSK2.15%2022-07-01
Mortgage rate (loans to households for house purchase, new business) — U2U22.15%2022-07-01
OBMMI — 15-Year Fixed Rate ConformingUS4.47%2022-07-29
OBMMI — 30-Year Fixed Rate Conforming Mortgage IndexUS5.30%2022-07-29
OBMMI — 30-Year Fixed Rate Conforming, Non-AdjustedUS5.12%2022-07-29
OBMMI — FHA 30-Year FixedUS5.27%2022-07-29
OBMMI — Jumbo 30-Year FixedUS5.02%2022-07-29
OBMMI — LTV >80, FICO <680US5.95%2022-07-29
OBMMI — LTV >80, FICO ≥740US5.20%2022-07-29
OBMMI — LTV >80, FICO 680–699US5.59%2022-07-29
OBMMI — LTV >80, FICO 700–719US5.50%2022-07-29
OBMMI — LTV >80, FICO 720–739US5.33%2022-07-29
OBMMI — LTV ≤80, FICO <680US5.67%2022-07-29
OBMMI — LTV ≤80, FICO ≥740US5.14%2022-07-29
OBMMI — LTV ≤80, FICO 680–699US5.49%2022-07-29
OBMMI — LTV ≤80, FICO 700–719US5.41%2022-07-29
OBMMI — LTV ≤80, FICO 720–739US5.27%2022-07-29
OBMMI — USDA 30-Year FixedUS5.28%2022-07-29
OBMMI — VA 30-Year FixedUS5.00%2022-07-29
Posted rate (major chartered banks) — Conventional mortgage: 1-yearCA5.19%2022-07-27
Posted rate (major chartered banks) — Conventional mortgage: 3-yearCA5.64%2022-07-27
Posted rate (major chartered banks) — Conventional mortgage: 5-yearCA6.14%2022-07-27
Posted rate (major chartered banks) — Daily interest savings (balances over $100,000)CA0.01%2022-07-27
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-yearCA2.00%2022-07-27
Posted rate (major chartered banks) — Guaranteed investment certificates: 3-yearCA2.75%2022-07-27
Posted rate (major chartered banks) — Guaranteed investment certificates: 5-yearCA3.45%2022-07-27
Posted rate (major chartered banks) — Non-chequable savings depositsCA0.01%2022-07-27
Posted rate (major chartered banks) — Personal deposits: 5-year fixed termCA2.95%2022-07-27
Posted rate (major chartered banks) — Prime rateCA4.70%2022-07-27
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, <1 yearCA6.31%2022-07-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 1 to <3 yearsCA4.16%2022-07-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 3 to <5 yearsCA4.00%2022-07-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 5 years and overCA3.97%2022-07-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Variable rateCA4.00%2022-07-01
Rate actually charged on new mortgage lending — Residential mortgages, insured, TotalCA4.13%2022-07-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, <1 yearCA5.61%2022-07-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 1 to <3 yearsCA4.03%2022-07-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 3 to <5 yearsCA3.64%2022-07-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 5 years and overCA4.05%2022-07-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Variable rateCA4.13%2022-07-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured, TotalCA4.08%2022-07-01
UK 2-year fixed mortgage rate (75% LTV)GB3.48%2022-07-31
UK 5-year fixed mortgage rate (75% LTV)GB3.32%2022-07-31

Central bank policy rates

SeriesCountryRateAs of
Bank of Canada target for the overnight rateCA2.50%2022-07-29
Bank of England Bank RateGB1.25%2022-07-31
ECB deposit facility rateU20.00%2022-07-31

About this snapshot

117 series had published data by 2022-07-31. 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.