The Rate Engine

Interest rates in January 2023

Every rate we track, as it stood on 2023-01-31. 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.

2022-12 · 2023-02

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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 rateUS0.06%2023-01-01
FDIC national average savings rateUS0.33%2023-01-01
Household deposit rate (agreed maturity, new business) — ATAT2.03%2023-01-01
Household deposit rate (agreed maturity, new business) — BEBE2.03%2023-01-01
Household deposit rate (agreed maturity, new business) — BGBG0.87%2023-01-01
Household deposit rate (agreed maturity, new business) — CYCY0.25%2023-01-01
Household deposit rate (agreed maturity, new business) — DEDE1.75%2023-01-01
Household deposit rate (agreed maturity, new business) — EEEE1.96%2023-01-01
Household deposit rate (agreed maturity, new business) — ESES0.68%2023-01-01
Household deposit rate (agreed maturity, new business) — FIFI1.98%2023-01-01
Household deposit rate (agreed maturity, new business) — FRFR2.37%2023-01-01
Household deposit rate (agreed maturity, new business) — GRGR0.50%2023-01-01
Household deposit rate (agreed maturity, new business) — HRHR0.14%2023-01-01
Household deposit rate (agreed maturity, new business) — IEIE0.71%2023-01-01
Household deposit rate (agreed maturity, new business) — ITIT2.12%2023-01-01
Household deposit rate (agreed maturity, new business) — LTLT1.05%2023-01-01
Household deposit rate (agreed maturity, new business) — LULU1.85%2023-01-01
Household deposit rate (agreed maturity, new business) — LVLV0.91%2023-01-01
Household deposit rate (agreed maturity, new business) — MTMT1.60%2023-01-01
Household deposit rate (agreed maturity, new business) — NLNL1.96%2023-01-01
Household deposit rate (agreed maturity, new business) — PTPT0.65%2023-01-01
Household deposit rate (agreed maturity, new business) — SISI0.68%2023-01-01
Household deposit rate (agreed maturity, new business) — SKSK2.10%2023-01-01
Household deposit rate (agreed maturity, new business) — U2U21.67%2023-01-01
UK 2-year fixed rate savings bondGB3.73%2023-01-31
UK instant access savings rateGB1.24%2023-01-31

Government bond yields

Mortgage rates

SeriesCountryRateAs of
15-year fixed rate mortgage average (PMMS)US5.17%2023-01-26
30-year fixed rate mortgage average (PMMS)US6.13%2023-01-26
Mortgage rate (loans to households for house purchase, new business) — ATAT3.25%2023-01-01
Mortgage rate (loans to households for house purchase, new business) — BEBE3.15%2023-01-01
Mortgage rate (loans to households for house purchase, new business) — CYCY3.15%2023-01-01
Mortgage rate (loans to households for house purchase, new business) — DEDE3.64%2023-01-01
Mortgage rate (loans to households for house purchase, new business) — EEEE4.66%2023-01-01
Mortgage rate (loans to households for house purchase, new business) — ESES3.26%2023-01-01
Mortgage rate (loans to households for house purchase, new business) — FIFI3.02%2023-01-01
Mortgage rate (loans to households for house purchase, new business) — FRFR2.20%2023-01-01
Mortgage rate (loans to households for house purchase, new business) — GRGR3.77%2023-01-01
Mortgage rate (loans to households for house purchase, new business) — HRHR2.89%2023-01-01
Mortgage rate (loans to households for house purchase, new business) — IEIE3.00%2023-01-01
Mortgage rate (loans to households for house purchase, new business) — ITIT3.68%2023-01-01
Mortgage rate (loans to households for house purchase, new business) — LTLT4.60%2023-01-01
Mortgage rate (loans to households for house purchase, new business) — LULU3.57%2023-01-01
Mortgage rate (loans to households for house purchase, new business) — LVLV4.62%2023-01-01
Mortgage rate (loans to households for house purchase, new business) — MTMT2.30%2023-01-01
Mortgage rate (loans to households for house purchase, new business) — NLNL3.46%2023-01-01
Mortgage rate (loans to households for house purchase, new business) — PTPT3.28%2023-01-01
Mortgage rate (loans to households for house purchase, new business) — SISI3.89%2023-01-01
Mortgage rate (loans to households for house purchase, new business) — SKSK3.22%2023-01-01
Mortgage rate (loans to households for house purchase, new business) — U2U23.11%2023-01-01
OBMMI — 15-Year Fixed Rate ConformingUS5.15%2023-01-31
OBMMI — 30-Year Fixed Rate Conforming Mortgage IndexUS6.16%2023-01-31
OBMMI — 30-Year Fixed Rate Conforming, Non-AdjustedUS5.99%2023-01-31
OBMMI — FHA 30-Year FixedUS6.12%2023-01-31
OBMMI — Jumbo 30-Year FixedUS6.36%2023-01-31
OBMMI — LTV >80, FICO <680US6.52%2023-01-31
OBMMI — LTV >80, FICO ≥740US6.11%2023-01-31
OBMMI — LTV >80, FICO 680–699US6.35%2023-01-31
OBMMI — LTV >80, FICO 700–719US6.22%2023-01-31
OBMMI — LTV >80, FICO 720–739US6.20%2023-01-31
OBMMI — LTV ≤80, FICO <680US6.58%2023-01-31
OBMMI — LTV ≤80, FICO ≥740US6.06%2023-01-31
OBMMI — LTV ≤80, FICO 680–699US6.25%2023-01-31
OBMMI — LTV ≤80, FICO 700–719US6.20%2023-01-31
OBMMI — LTV ≤80, FICO 720–739US6.14%2023-01-31
OBMMI — USDA 30-Year FixedUS6.11%2023-01-31
OBMMI — VA 30-Year FixedUS5.74%2023-01-31
Posted rate (major chartered banks) — Conventional mortgage: 1-yearCA6.34%2023-01-25
Posted rate (major chartered banks) — Conventional mortgage: 3-yearCA6.14%2023-01-25
Posted rate (major chartered banks) — Conventional mortgage: 5-yearCA6.49%2023-01-25
Posted rate (major chartered banks) — Daily interest savings (balances over $100,000)CA0.01%2023-01-25
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-yearCA3.00%2023-01-25
Posted rate (major chartered banks) — Guaranteed investment certificates: 3-yearCA3.75%2023-01-25
Posted rate (major chartered banks) — Guaranteed investment certificates: 5-yearCA3.23%2023-01-25
Posted rate (major chartered banks) — Non-chequable savings depositsCA0.01%2023-01-25
Posted rate (major chartered banks) — Personal deposits: 5-year fixed termCA3.40%2023-01-25
Posted rate (major chartered banks) — Prime rateCA6.45%2023-01-25
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, <1 yearCA7.99%2023-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 1 to <3 yearsCA5.60%2023-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 3 to <5 yearsCA5.25%2023-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 5 years and overCA5.02%2023-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Variable rateCA6.30%2023-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured, TotalCA5.65%2023-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, <1 yearCA7.28%2023-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 1 to <3 yearsCA5.55%2023-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 3 to <5 yearsCA5.18%2023-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 5 years and overCA5.20%2023-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Variable rateCA6.44%2023-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured, TotalCA5.66%2023-01-01
UK 2-year fixed mortgage rate (75% LTV)GB5.14%2023-01-31
UK 5-year fixed mortgage rate (75% LTV)GB4.88%2023-01-31

Central bank policy rates

SeriesCountryRateAs of
Bank of Canada target for the overnight rateCA4.50%2023-01-31
Bank of England Bank RateGB3.50%2023-01-31
ECB deposit facility rateU22.00%2023-01-31

About this snapshot

118 series had published data by 2023-01-31. 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.