The Rate Engine

Interest rates in December 2022

Every rate we track, as it stood on 2022-12-31. 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.

2022-11 · 2023-01

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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 rateUS0.05%2022-12-01
FDIC national average savings rateUS0.30%2022-12-01
Household deposit rate (agreed maturity, new business) — ATAT1.76%2022-12-01
Household deposit rate (agreed maturity, new business) — BEBE1.75%2022-12-01
Household deposit rate (agreed maturity, new business) — BGBG1.27%2022-12-01
Household deposit rate (agreed maturity, new business) — CYCY0.40%2022-12-01
Household deposit rate (agreed maturity, new business) — DEDE1.56%2022-12-01
Household deposit rate (agreed maturity, new business) — EEEE1.82%2022-12-01
Household deposit rate (agreed maturity, new business) — ESES0.72%2022-12-01
Household deposit rate (agreed maturity, new business) — FIFI1.83%2022-12-01
Household deposit rate (agreed maturity, new business) — FRFR2.29%2022-12-01
Household deposit rate (agreed maturity, new business) — GRGR0.36%2022-12-01
Household deposit rate (agreed maturity, new business) — HRHR0.22%2022-12-01
Household deposit rate (agreed maturity, new business) — IEIE0.63%2022-12-01
Household deposit rate (agreed maturity, new business) — ITIT2.07%2022-12-01
Household deposit rate (agreed maturity, new business) — LTLT1.02%2022-12-01
Household deposit rate (agreed maturity, new business) — LULU1.58%2022-12-01
Household deposit rate (agreed maturity, new business) — LVLV0.73%2022-12-01
Household deposit rate (agreed maturity, new business) — MTMT1.22%2022-12-01
Household deposit rate (agreed maturity, new business) — NLNL1.76%2022-12-01
Household deposit rate (agreed maturity, new business) — PTPT0.41%2022-12-01
Household deposit rate (agreed maturity, new business) — SISI0.62%2022-12-01
Household deposit rate (agreed maturity, new business) — SKSK1.75%2022-12-01
Household deposit rate (agreed maturity, new business) — U2U21.48%2022-12-01
UK 2-year fixed rate savings bondGB3.64%2022-12-31
UK instant access savings rateGB1.20%2022-12-31

Government bond yields

Mortgage rates

SeriesCountryRateAs of
15-year fixed rate mortgage average (PMMS)US5.68%2022-12-29
30-year fixed rate mortgage average (PMMS)US6.42%2022-12-29
Mortgage rate (loans to households for house purchase, new business) — ATAT2.84%2022-12-01
Mortgage rate (loans to households for house purchase, new business) — BEBE3.06%2022-12-01
Mortgage rate (loans to households for house purchase, new business) — CYCY3.35%2022-12-01
Mortgage rate (loans to households for house purchase, new business) — DEDE3.52%2022-12-01
Mortgage rate (loans to households for house purchase, new business) — EEEE4.18%2022-12-01
Mortgage rate (loans to households for house purchase, new business) — ESES2.96%2022-12-01
Mortgage rate (loans to households for house purchase, new business) — FIFI2.94%2022-12-01
Mortgage rate (loans to households for house purchase, new business) — FRFR2.05%2022-12-01
Mortgage rate (loans to households for house purchase, new business) — GRGR3.65%2022-12-01
Mortgage rate (loans to households for house purchase, new business) — IEIE2.84%2022-12-01
Mortgage rate (loans to households for house purchase, new business) — ITIT3.34%2022-12-01
Mortgage rate (loans to households for house purchase, new business) — LTLT4.35%2022-12-01
Mortgage rate (loans to households for house purchase, new business) — LULU3.14%2022-12-01
Mortgage rate (loans to households for house purchase, new business) — LVLV4.32%2022-12-01
Mortgage rate (loans to households for house purchase, new business) — MTMT2.31%2022-12-01
Mortgage rate (loans to households for house purchase, new business) — NLNL3.38%2022-12-01
Mortgage rate (loans to households for house purchase, new business) — PTPT3.16%2022-12-01
Mortgage rate (loans to households for house purchase, new business) — SISI3.66%2022-12-01
Mortgage rate (loans to households for house purchase, new business) — SKSK3.07%2022-12-01
Mortgage rate (loans to households for house purchase, new business) — U2U22.95%2022-12-01
OBMMI — 15-Year Fixed Rate ConformingUS5.77%2022-12-30
OBMMI — 30-Year Fixed Rate Conforming Mortgage IndexUS6.52%2022-12-30
OBMMI — 30-Year Fixed Rate Conforming, Non-AdjustedUS6.28%2022-12-30
OBMMI — FHA 30-Year FixedUS6.42%2022-12-30
OBMMI — Jumbo 30-Year FixedUS6.71%2022-12-30
OBMMI — LTV >80, FICO <680US6.72%2022-12-30
OBMMI — LTV >80, FICO ≥740US6.49%2022-12-30
OBMMI — LTV >80, FICO 680–699US6.74%2022-12-30
OBMMI — LTV >80, FICO 700–719US6.66%2022-12-30
OBMMI — LTV >80, FICO 720–739US6.54%2022-12-30
OBMMI — LTV ≤80, FICO <680US6.75%2022-12-30
OBMMI — LTV ≤80, FICO ≥740US6.39%2022-12-30
OBMMI — LTV ≤80, FICO 680–699US6.66%2022-12-30
OBMMI — LTV ≤80, FICO 700–719US6.61%2022-12-30
OBMMI — LTV ≤80, FICO 720–739US6.46%2022-12-30
OBMMI — USDA 30-Year FixedUS6.18%2022-12-30
OBMMI — VA 30-Year FixedUS6.25%2022-12-30
Posted rate (major chartered banks) — Conventional mortgage: 1-yearCA6.34%2022-12-28
Posted rate (major chartered banks) — Conventional mortgage: 3-yearCA6.14%2022-12-28
Posted rate (major chartered banks) — Conventional mortgage: 5-yearCA6.49%2022-12-28
Posted rate (major chartered banks) — Daily interest savings (balances over $100,000)CA0.01%2022-12-28
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-yearCA3.00%2022-12-28
Posted rate (major chartered banks) — Guaranteed investment certificates: 3-yearCA3.75%2022-12-28
Posted rate (major chartered banks) — Guaranteed investment certificates: 5-yearCA3.45%2022-12-28
Posted rate (major chartered banks) — Non-chequable savings depositsCA0.01%2022-12-28
Posted rate (major chartered banks) — Personal deposits: 5-year fixed termCA3.40%2022-12-28
Posted rate (major chartered banks) — Prime rateCA6.45%2022-12-28
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, <1 yearCA7.34%2022-12-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 1 to <3 yearsCA5.46%2022-12-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 3 to <5 yearsCA5.24%2022-12-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 5 years and overCA5.06%2022-12-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Variable rateCA6.03%2022-12-01
Rate actually charged on new mortgage lending — Residential mortgages, insured, TotalCA5.52%2022-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, <1 yearCA6.70%2022-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 1 to <3 yearsCA5.38%2022-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 3 to <5 yearsCA5.12%2022-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 5 years and overCA5.22%2022-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Variable rateCA6.14%2022-12-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured, TotalCA5.53%2022-12-01
UK 2-year fixed mortgage rate (75% LTV)GB5.43%2022-12-31
UK 5-year fixed mortgage rate (75% LTV)GB5.28%2022-12-31

Central bank policy rates

SeriesCountryRateAs of
Bank of Canada target for the overnight rateCA4.25%2022-12-30
Bank of England Bank RateGB3.25%2022-12-31
ECB deposit facility rateU22.00%2022-12-31

About this snapshot

117 series had published data by 2022-12-31. 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.