The Rate Engine

Interest rates in November 2022

Every rate we track, as it stood on 2022-11-30. 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.

2022-10 · 2022-12

auto

card

consumer-credit

SeriesCountryRateAs of
US personal loan rate, 24-month (commercial banks)US11.21%2022-11-01

Deposit & savings rates

SeriesCountryRateAs of
FDIC national average interest checking rateUS0.04%2022-11-01
FDIC national average savings rateUS0.24%2022-11-01
Household deposit rate (agreed maturity, new business) — ATAT1.63%2022-11-01
Household deposit rate (agreed maturity, new business) — BEBE1.52%2022-11-01
Household deposit rate (agreed maturity, new business) — BGBG0.86%2022-11-01
Household deposit rate (agreed maturity, new business) — CYCY0.18%2022-11-01
Household deposit rate (agreed maturity, new business) — DEDE1.43%2022-11-01
Household deposit rate (agreed maturity, new business) — EEEE1.75%2022-11-01
Household deposit rate (agreed maturity, new business) — ESES0.71%2022-11-01
Household deposit rate (agreed maturity, new business) — FIFI1.63%2022-11-01
Household deposit rate (agreed maturity, new business) — FRFR1.96%2022-11-01
Household deposit rate (agreed maturity, new business) — GRGR0.20%2022-11-01
Household deposit rate (agreed maturity, new business) — HRHR0.13%2022-11-01
Household deposit rate (agreed maturity, new business) — IEIE0.48%2022-11-01
Household deposit rate (agreed maturity, new business) — ITIT1.90%2022-11-01
Household deposit rate (agreed maturity, new business) — LTLT0.94%2022-11-01
Household deposit rate (agreed maturity, new business) — LULU1.30%2022-11-01
Household deposit rate (agreed maturity, new business) — LVLV0.95%2022-11-01
Household deposit rate (agreed maturity, new business) — MTMT1.02%2022-11-01
Household deposit rate (agreed maturity, new business) — NLNL1.74%2022-11-01
Household deposit rate (agreed maturity, new business) — PTPT0.41%2022-11-01
Household deposit rate (agreed maturity, new business) — SISI0.55%2022-11-01
Household deposit rate (agreed maturity, new business) — SKSK1.50%2022-11-01
Household deposit rate (agreed maturity, new business) — U2U21.29%2022-11-01
UK 2-year fixed rate savings bondGB3.42%2022-11-30
UK instant access savings rateGB0.99%2022-11-30

Government bond yields

Mortgage rates

SeriesCountryRateAs of
15-year fixed rate mortgage average (PMMS)US5.90%2022-11-23
30-year fixed rate mortgage average (PMMS)US6.58%2022-11-23
Mortgage rate (loans to households for house purchase, new business) — ATAT2.98%2022-11-01
Mortgage rate (loans to households for house purchase, new business) — BEBE2.88%2022-11-01
Mortgage rate (loans to households for house purchase, new business) — CYCY2.98%2022-11-01
Mortgage rate (loans to households for house purchase, new business) — DEDE3.62%2022-11-01
Mortgage rate (loans to households for house purchase, new business) — EEEE4.05%2022-11-01
Mortgage rate (loans to households for house purchase, new business) — ESES2.73%2022-11-01
Mortgage rate (loans to households for house purchase, new business) — FIFI2.83%2022-11-01
Mortgage rate (loans to households for house purchase, new business) — FRFR1.91%2022-11-01
Mortgage rate (loans to households for house purchase, new business) — GRGR3.54%2022-11-01
Mortgage rate (loans to households for house purchase, new business) — IEIE2.78%2022-11-01
Mortgage rate (loans to households for house purchase, new business) — ITIT3.40%2022-11-01
Mortgage rate (loans to households for house purchase, new business) — LTLT4.08%2022-11-01
Mortgage rate (loans to households for house purchase, new business) — LULU3.01%2022-11-01
Mortgage rate (loans to households for house purchase, new business) — LVLV3.99%2022-11-01
Mortgage rate (loans to households for house purchase, new business) — MTMT2.32%2022-11-01
Mortgage rate (loans to households for house purchase, new business) — NLNL3.22%2022-11-01
Mortgage rate (loans to households for house purchase, new business) — PTPT2.97%2022-11-01
Mortgage rate (loans to households for house purchase, new business) — SISI3.39%2022-11-01
Mortgage rate (loans to households for house purchase, new business) — SKSK2.96%2022-11-01
Mortgage rate (loans to households for house purchase, new business) — U2U22.89%2022-11-01
OBMMI — 15-Year Fixed Rate ConformingUS5.89%2022-11-30
OBMMI — 30-Year Fixed Rate Conforming Mortgage IndexUS6.54%2022-11-30
OBMMI — 30-Year Fixed Rate Conforming, Non-AdjustedUS6.30%2022-11-30
OBMMI — FHA 30-Year FixedUS6.48%2022-11-30
OBMMI — Jumbo 30-Year FixedUS6.42%2022-11-30
OBMMI — LTV >80, FICO <680US6.98%2022-11-30
OBMMI — LTV >80, FICO ≥740US6.52%2022-11-30
OBMMI — LTV >80, FICO 680–699US6.74%2022-11-30
OBMMI — LTV >80, FICO 700–719US6.63%2022-11-30
OBMMI — LTV >80, FICO 720–739US6.59%2022-11-30
OBMMI — LTV ≤80, FICO <680US6.80%2022-11-30
OBMMI — LTV ≤80, FICO ≥740US6.39%2022-11-30
OBMMI — LTV ≤80, FICO 680–699US6.66%2022-11-30
OBMMI — LTV ≤80, FICO 700–719US6.49%2022-11-30
OBMMI — LTV ≤80, FICO 720–739US6.54%2022-11-30
OBMMI — USDA 30-Year FixedUS6.43%2022-11-30
OBMMI — VA 30-Year FixedUS6.27%2022-11-30
Posted rate (major chartered banks) — Conventional mortgage: 1-yearCA6.09%2022-11-30
Posted rate (major chartered banks) — Conventional mortgage: 3-yearCA6.14%2022-11-30
Posted rate (major chartered banks) — Conventional mortgage: 5-yearCA6.49%2022-11-30
Posted rate (major chartered banks) — Daily interest savings (balances over $100,000)CA0.01%2022-11-30
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-yearCA3.00%2022-11-30
Posted rate (major chartered banks) — Guaranteed investment certificates: 3-yearCA3.75%2022-11-30
Posted rate (major chartered banks) — Guaranteed investment certificates: 5-yearCA3.45%2022-11-30
Posted rate (major chartered banks) — Non-chequable savings depositsCA0.01%2022-11-30
Posted rate (major chartered banks) — Personal deposits: 5-year fixed termCA3.40%2022-11-30
Posted rate (major chartered banks) — Prime rateCA5.95%2022-11-30
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, <1 yearCA7.17%2022-11-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 1 to <3 yearsCA5.29%2022-11-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 3 to <5 yearsCA5.09%2022-11-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 5 years and overCA4.97%2022-11-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Variable rateCA5.56%2022-11-01
Rate actually charged on new mortgage lending — Residential mortgages, insured, TotalCA5.32%2022-11-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, <1 yearCA6.32%2022-11-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 1 to <3 yearsCA5.17%2022-11-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 3 to <5 yearsCA5.01%2022-11-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 5 years and overCA5.17%2022-11-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Variable rateCA5.66%2022-11-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured, TotalCA5.29%2022-11-01
UK 2-year fixed mortgage rate (75% LTV)GB5.98%2022-11-30
UK 5-year fixed mortgage rate (75% LTV)GB5.63%2022-11-30

Central bank policy rates

SeriesCountryRateAs of
Bank of Canada target for the overnight rateCA3.75%2022-11-30
Bank of England Bank RateGB2.93%2022-11-30
ECB deposit facility rateU21.50%2022-11-30

About this snapshot

117 series had published data by 2022-11-30. 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.