Interest rates in September 2022

Every rate we track, as it stood on 2022-09-30. 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.

← 2022-08 · 2022-10 →

auto

Series	Country	Rate	As of
US new car loan rate, 48-month (commercial banks)	US	5.52%	2022-08-01
US new car loan rate, 60-month (commercial banks)	US	5.50%	2022-08-01
US new car loan rate, 72-month (commercial banks)	US	5.61%	2022-08-01

card

Series	Country	Rate	As of
US credit card interest rate, accounts assessed interest	US	18.43%	2022-08-01
US credit card interest rate, all accounts	US	16.27%	2022-08-01

consumer-credit

Series	Country	Rate	As of
US personal loan rate, 24-month (commercial banks)	US	10.16%	2022-08-01

Deposit & savings rates

Series	Country	Rate	As of
FDIC national average interest checking rate	US	0.04%	2022-09-01
FDIC national average savings rate	US	0.17%	2022-09-01
Household deposit rate (agreed maturity, new business) — AT	AT	0.84%	2022-09-01
Household deposit rate (agreed maturity, new business) — BE	BE	0.87%	2022-09-01
Household deposit rate (agreed maturity, new business) — BG	BG	0.30%	2022-09-01
Household deposit rate (agreed maturity, new business) — CY	CY	0.14%	2022-09-01
Household deposit rate (agreed maturity, new business) — DE	DE	0.96%	2022-09-01
Household deposit rate (agreed maturity, new business) — EE	EE	1.35%	2022-09-01
Household deposit rate (agreed maturity, new business) — ES	ES	0.37%	2022-09-01
Household deposit rate (agreed maturity, new business) — FI	FI	1.28%	2022-09-01
Household deposit rate (agreed maturity, new business) — FR	FR	1.27%	2022-09-01
Household deposit rate (agreed maturity, new business) — GR	GR	0.15%	2022-09-01
Household deposit rate (agreed maturity, new business) — HR	HR	0.12%	2022-09-01
Household deposit rate (agreed maturity, new business) — IE	IE	0.17%	2022-09-01
Household deposit rate (agreed maturity, new business) — IT	IT	1.25%	2022-09-01
Household deposit rate (agreed maturity, new business) — LT	LT	0.39%	2022-09-01
Household deposit rate (agreed maturity, new business) — LU	LU	0.78%	2022-09-01
Household deposit rate (agreed maturity, new business) — LV	LV	0.75%	2022-09-01
Household deposit rate (agreed maturity, new business) — MT	MT	0.65%	2022-09-01
Household deposit rate (agreed maturity, new business) — NL	NL	1.64%	2022-09-01
Household deposit rate (agreed maturity, new business) — PT	PT	0.06%	2022-09-01
Household deposit rate (agreed maturity, new business) — SI	SI	0.31%	2022-09-01
Household deposit rate (agreed maturity, new business) — SK	SK	0.91%	2022-09-01
Household deposit rate (agreed maturity, new business) — U2	U2	0.72%	2022-09-01
UK 2-year fixed rate savings bond	GB	2.37%	2022-09-30
UK instant access savings rate	GB	0.64%	2022-09-30

Government bond yields

Series	Country	Rate	As of
Euro area AAA government bond yield — 10-year spot	U2	2.13%	2022-09-30
Government of Canada benchmark bond yield — Benchmark bond yield: 10 year	CA	3.16%	2022-09-29
Government of Canada benchmark bond yield — Benchmark bond yield: 2 year	CA	3.79%	2022-09-29
Government of Canada benchmark bond yield — Benchmark bond yield: 3 year	CA	3.72%	2022-09-29
Government of Canada benchmark bond yield — Benchmark bond yield: 5 year	CA	3.32%	2022-09-29
Government of Canada benchmark bond yield — Benchmark bond yield: 7 year	CA	3.19%	2022-09-29
Government of Canada benchmark bond yield — Benchmark bond yield: long-term	CA	3.09%	2022-09-29
Government of Canada benchmark bond yield — Real Return Bonds yield: long-term	CA	1.44%	2022-09-29
U.S. Treasury par yield — 1-month	US	2.79%	2022-09-30
U.S. Treasury par yield — 1-year	US	4.05%	2022-09-30
U.S. Treasury par yield — 10-year	US	3.83%	2022-09-30
U.S. Treasury par yield — 2-year	US	4.22%	2022-09-30
U.S. Treasury par yield — 20-year	US	4.08%	2022-09-30
U.S. Treasury par yield — 3-month	US	3.33%	2022-09-30
U.S. Treasury par yield — 3-year	US	4.25%	2022-09-30
U.S. Treasury par yield — 30-year	US	3.79%	2022-09-30
U.S. Treasury par yield — 5-year	US	4.06%	2022-09-30
U.S. Treasury par yield — 6-month	US	3.92%	2022-09-30
U.S. Treasury par yield — 7-year	US	3.97%	2022-09-30

Mortgage rates

Series	Country	Rate	As of
15-year fixed rate mortgage average (PMMS)	US	5.96%	2022-09-29
30-year fixed rate mortgage average (PMMS)	US	6.70%	2022-09-29
Mortgage rate (loans to households for house purchase, new business) — AT	AT	2.17%	2022-09-01
Mortgage rate (loans to households for house purchase, new business) — BE	BE	2.54%	2022-09-01
Mortgage rate (loans to households for house purchase, new business) — CY	CY	3.03%	2022-09-01
Mortgage rate (loans to households for house purchase, new business) — DE	DE	3.03%	2022-09-01
Mortgage rate (loans to households for house purchase, new business) — EE	EE	3.25%	2022-09-01
Mortgage rate (loans to households for house purchase, new business) — ES	ES	2.22%	2022-09-01
Mortgage rate (loans to households for house purchase, new business) — FI	FI	2.54%	2022-09-01
Mortgage rate (loans to households for house purchase, new business) — FR	FR	1.68%	2022-09-01
Mortgage rate (loans to households for house purchase, new business) — GR	GR	3.39%	2022-09-01
Mortgage rate (loans to households for house purchase, new business) — IE	IE	2.78%	2022-09-01
Mortgage rate (loans to households for house purchase, new business) — IT	IT	2.64%	2022-09-01
Mortgage rate (loans to households for house purchase, new business) — LT	LT	3.45%	2022-09-01
Mortgage rate (loans to households for house purchase, new business) — LU	LU	2.30%	2022-09-01
Mortgage rate (loans to households for house purchase, new business) — LV	LV	3.34%	2022-09-01
Mortgage rate (loans to households for house purchase, new business) — MT	MT	1.98%	2022-09-01
Mortgage rate (loans to households for house purchase, new business) — NL	NL	2.85%	2022-09-01
Mortgage rate (loans to households for house purchase, new business) — PT	PT	2.17%	2022-09-01
Mortgage rate (loans to households for house purchase, new business) — SI	SI	2.72%	2022-09-01
Mortgage rate (loans to households for house purchase, new business) — SK	SK	2.53%	2022-09-01
Mortgage rate (loans to households for house purchase, new business) — U2	U2	2.45%	2022-09-01
OBMMI — 15-Year Fixed Rate Conforming	US	5.80%	2022-09-30
OBMMI — 30-Year Fixed Rate Conforming Mortgage Index	US	6.72%	2022-09-30
OBMMI — 30-Year Fixed Rate Conforming, Non-Adjusted	US	6.57%	2022-09-30
OBMMI — FHA 30-Year Fixed	US	6.52%	2022-09-30
OBMMI — Jumbo 30-Year Fixed	US	6.49%	2022-09-30
OBMMI — LTV >80, FICO <680	US	7.06%	2022-09-30
OBMMI — LTV >80, FICO ≥740	US	6.68%	2022-09-30
OBMMI — LTV >80, FICO 680–699	US	6.78%	2022-09-30
OBMMI — LTV >80, FICO 700–719	US	6.80%	2022-09-30
OBMMI — LTV >80, FICO 720–739	US	6.62%	2022-09-30
OBMMI — LTV ≤80, FICO <680	US	6.88%	2022-09-30
OBMMI — LTV ≤80, FICO ≥740	US	6.66%	2022-09-30
OBMMI — LTV ≤80, FICO 680–699	US	6.59%	2022-09-30
OBMMI — LTV ≤80, FICO 700–719	US	6.67%	2022-09-30
OBMMI — LTV ≤80, FICO 720–739	US	6.71%	2022-09-30
OBMMI — USDA 30-Year Fixed	US	6.48%	2022-09-30
OBMMI — VA 30-Year Fixed	US	6.36%	2022-09-30
Posted rate (major chartered banks) — Conventional mortgage: 1-year	CA	5.69%	2022-09-28
Posted rate (major chartered banks) — Conventional mortgage: 3-year	CA	5.74%	2022-09-28
Posted rate (major chartered banks) — Conventional mortgage: 5-year	CA	6.14%	2022-09-28
Posted rate (major chartered banks) — Daily interest savings (balances over $100,000)	CA	0.01%	2022-09-28
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-year	CA	2.00%	2022-09-28
Posted rate (major chartered banks) — Guaranteed investment certificates: 3-year	CA	2.75%	2022-09-28
Posted rate (major chartered banks) — Guaranteed investment certificates: 5-year	CA	3.45%	2022-09-28
Posted rate (major chartered banks) — Non-chequable savings deposits	CA	0.01%	2022-09-28
Posted rate (major chartered banks) — Personal deposits: 5-year fixed term	CA	3.40%	2022-09-28
Posted rate (major chartered banks) — Prime rate	CA	5.45%	2022-09-28
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, <1 year	CA	7.01%	2022-09-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 1 to <3 years	CA	4.83%	2022-09-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 3 to <5 years	CA	4.67%	2022-09-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 5 years and over	CA	4.61%	2022-09-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Variable rate	CA	4.92%	2022-09-01
Rate actually charged on new mortgage lending — Residential mortgages, insured, Total	CA	4.92%	2022-09-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, <1 year	CA	6.17%	2022-09-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 1 to <3 years	CA	4.72%	2022-09-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 3 to <5 years	CA	4.44%	2022-09-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 5 years and over	CA	4.80%	2022-09-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Variable rate	CA	5.03%	2022-09-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured, Total	CA	4.87%	2022-09-01
UK 2-year fixed mortgage rate (75% LTV)	GB	4.17%	2022-09-30
UK 5-year fixed mortgage rate (75% LTV)	GB	4.45%	2022-09-30

Central bank policy rates

Series	Country	Rate	As of
Bank of Canada target for the overnight rate	CA	3.25%	2022-09-29
Bank of England Bank Rate	GB	1.92%	2022-09-30
ECB deposit facility rate	U2	0.75%	2022-09-30

About this snapshot

117 series had published data by 2022-09-30. 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.