The Rate Engine

Interest rates in August 2022

Every rate we track, as it stood on 2022-08-31. 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.

2022-07 · 2022-09

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consumer-credit

SeriesCountryRateAs of
US personal loan rate, 24-month (commercial banks)US10.16%2022-08-01

Deposit & savings rates

SeriesCountryRateAs of
FDIC national average interest checking rateUS0.03%2022-08-01
FDIC national average savings rateUS0.13%2022-08-01
Household deposit rate (agreed maturity, new business) — ATAT0.54%2022-08-01
Household deposit rate (agreed maturity, new business) — BEBE0.50%2022-08-01
Household deposit rate (agreed maturity, new business) — BGBG0.50%2022-08-01
Household deposit rate (agreed maturity, new business) — CYCY0.08%2022-08-01
Household deposit rate (agreed maturity, new business) — DEDE0.66%2022-08-01
Household deposit rate (agreed maturity, new business) — EEEE1.01%2022-08-01
Household deposit rate (agreed maturity, new business) — ESES0.17%2022-08-01
Household deposit rate (agreed maturity, new business) — FIFI0.66%2022-08-01
Household deposit rate (agreed maturity, new business) — FRFR0.94%2022-08-01
Household deposit rate (agreed maturity, new business) — GRGR0.11%2022-08-01
Household deposit rate (agreed maturity, new business) — HRHR0.12%2022-08-01
Household deposit rate (agreed maturity, new business) — IEIE0.06%2022-08-01
Household deposit rate (agreed maturity, new business) — ITIT1.12%2022-08-01
Household deposit rate (agreed maturity, new business) — LTLT0.74%2022-08-01
Household deposit rate (agreed maturity, new business) — LULU0.72%2022-08-01
Household deposit rate (agreed maturity, new business) — LVLV0.55%2022-08-01
Household deposit rate (agreed maturity, new business) — MTMT0.61%2022-08-01
Household deposit rate (agreed maturity, new business) — NLNL1.45%2022-08-01
Household deposit rate (agreed maturity, new business) — PTPT0.09%2022-08-01
Household deposit rate (agreed maturity, new business) — SISI0.07%2022-08-01
Household deposit rate (agreed maturity, new business) — SKSK0.86%2022-08-01
Household deposit rate (agreed maturity, new business) — U2U20.52%2022-08-01
UK 2-year fixed rate savings bondGB1.48%2022-08-31
UK instant access savings rateGB0.47%2022-08-31

Government bond yields

Mortgage rates

SeriesCountryRateAs of
15-year fixed rate mortgage average (PMMS)US4.85%2022-08-25
30-year fixed rate mortgage average (PMMS)US5.55%2022-08-25
Mortgage rate (loans to households for house purchase, new business) — ATAT2.00%2022-08-01
Mortgage rate (loans to households for house purchase, new business) — BEBE2.35%2022-08-01
Mortgage rate (loans to households for house purchase, new business) — CYCY2.54%2022-08-01
Mortgage rate (loans to households for house purchase, new business) — DEDE2.85%2022-08-01
Mortgage rate (loans to households for house purchase, new business) — EEEE2.82%2022-08-01
Mortgage rate (loans to households for house purchase, new business) — ESES2.03%2022-08-01
Mortgage rate (loans to households for house purchase, new business) — FIFI1.85%2022-08-01
Mortgage rate (loans to households for house purchase, new business) — FRFR1.58%2022-08-01
Mortgage rate (loans to households for house purchase, new business) — GRGR3.11%2022-08-01
Mortgage rate (loans to households for house purchase, new business) — IEIE2.77%2022-08-01
Mortgage rate (loans to households for house purchase, new business) — ITIT2.27%2022-08-01
Mortgage rate (loans to households for house purchase, new business) — LTLT2.76%2022-08-01
Mortgage rate (loans to households for house purchase, new business) — LULU2.27%2022-08-01
Mortgage rate (loans to households for house purchase, new business) — LVLV2.89%2022-08-01
Mortgage rate (loans to households for house purchase, new business) — MTMT2.07%2022-08-01
Mortgage rate (loans to households for house purchase, new business) — NLNL2.66%2022-08-01
Mortgage rate (loans to households for house purchase, new business) — PTPT1.94%2022-08-01
Mortgage rate (loans to households for house purchase, new business) — SISI2.44%2022-08-01
Mortgage rate (loans to households for house purchase, new business) — SKSK2.44%2022-08-01
Mortgage rate (loans to households for house purchase, new business) — U2U22.26%2022-08-01
OBMMI — 15-Year Fixed Rate ConformingUS5.04%2022-08-31
OBMMI — 30-Year Fixed Rate Conforming Mortgage IndexUS5.81%2022-08-31
OBMMI — 30-Year Fixed Rate Conforming, Non-AdjustedUS5.62%2022-08-31
OBMMI — FHA 30-Year FixedUS5.66%2022-08-31
OBMMI — Jumbo 30-Year FixedUS5.57%2022-08-31
OBMMI — LTV >80, FICO <680US6.30%2022-08-31
OBMMI — LTV >80, FICO ≥740US5.76%2022-08-31
OBMMI — LTV >80, FICO 680–699US6.01%2022-08-31
OBMMI — LTV >80, FICO 700–719US5.98%2022-08-31
OBMMI — LTV >80, FICO 720–739US5.77%2022-08-31
OBMMI — LTV ≤80, FICO <680US6.12%2022-08-31
OBMMI — LTV ≤80, FICO ≥740US5.68%2022-08-31
OBMMI — LTV ≤80, FICO 680–699US5.96%2022-08-31
OBMMI — LTV ≤80, FICO 700–719US5.87%2022-08-31
OBMMI — LTV ≤80, FICO 720–739US5.72%2022-08-31
OBMMI — USDA 30-Year FixedUS5.67%2022-08-31
OBMMI — VA 30-Year FixedUS5.45%2022-08-31
Posted rate (major chartered banks) — Conventional mortgage: 1-yearCA5.19%2022-08-31
Posted rate (major chartered banks) — Conventional mortgage: 3-yearCA5.64%2022-08-31
Posted rate (major chartered banks) — Conventional mortgage: 5-yearCA6.14%2022-08-31
Posted rate (major chartered banks) — Daily interest savings (balances over $100,000)CA0.01%2022-08-31
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-yearCA2.00%2022-08-31
Posted rate (major chartered banks) — Guaranteed investment certificates: 3-yearCA2.75%2022-08-31
Posted rate (major chartered banks) — Guaranteed investment certificates: 5-yearCA3.45%2022-08-31
Posted rate (major chartered banks) — Non-chequable savings depositsCA0.01%2022-08-31
Posted rate (major chartered banks) — Personal deposits: 5-year fixed termCA3.40%2022-08-31
Posted rate (major chartered banks) — Prime rateCA4.70%2022-08-31
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, <1 yearCA6.78%2022-08-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 1 to <3 yearsCA4.47%2022-08-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 3 to <5 yearsCA4.36%2022-08-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 5 years and overCA4.35%2022-08-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Variable rateCA4.19%2022-08-01
Rate actually charged on new mortgage lending — Residential mortgages, insured, TotalCA4.47%2022-08-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, <1 yearCA6.04%2022-08-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 1 to <3 yearsCA4.42%2022-08-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 3 to <5 yearsCA3.99%2022-08-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 5 years and overCA4.44%2022-08-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Variable rateCA4.32%2022-08-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured, TotalCA4.37%2022-08-01
UK 2-year fixed mortgage rate (75% LTV)GB3.60%2022-08-31
UK 5-year fixed mortgage rate (75% LTV)GB3.75%2022-08-31

Central bank policy rates

SeriesCountryRateAs of
Bank of Canada target for the overnight rateCA2.50%2022-08-31
Bank of England Bank RateGB1.68%2022-08-31
ECB deposit facility rateU20.00%2022-08-31

About this snapshot

117 series had published data by 2022-08-31. 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.