The Rate Engine

Interest rates in April 2023

Every rate we track, as it stood on 2023-04-30. 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.

2023-03 · 2023-05

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consumer-credit

SeriesCountryRateAs of
US personal loan rate, 24-month (commercial banks)US11.48%2023-02-01

Deposit & savings rates

SeriesCountryRateAs of
FDIC national average interest checking rateUS0.06%2023-04-01
FDIC national average savings rateUS0.39%2023-04-01
Household deposit rate (agreed maturity, new business) — ATAT2.47%2023-04-01
Household deposit rate (agreed maturity, new business) — BEBE2.65%2023-04-01
Household deposit rate (agreed maturity, new business) — BGBG0.76%2023-04-01
Household deposit rate (agreed maturity, new business) — CYCY0.40%2023-04-01
Household deposit rate (agreed maturity, new business) — DEDE2.35%2023-04-01
Household deposit rate (agreed maturity, new business) — EEEE2.73%2023-04-01
Household deposit rate (agreed maturity, new business) — ESES1.58%2023-04-01
Household deposit rate (agreed maturity, new business) — FIFI2.54%2023-04-01
Household deposit rate (agreed maturity, new business) — FRFR2.95%2023-04-01
Household deposit rate (agreed maturity, new business) — GRGR1.40%2023-04-01
Household deposit rate (agreed maturity, new business) — HRHR1.32%2023-04-01
Household deposit rate (agreed maturity, new business) — IEIE1.59%2023-04-01
Household deposit rate (agreed maturity, new business) — ITIT3.08%2023-04-01
Household deposit rate (agreed maturity, new business) — LTLT2.68%2023-04-01
Household deposit rate (agreed maturity, new business) — LULU2.46%2023-04-01
Household deposit rate (agreed maturity, new business) — LVLV2.16%2023-04-01
Household deposit rate (agreed maturity, new business) — MTMT2.10%2023-04-01
Household deposit rate (agreed maturity, new business) — NLNL2.31%2023-04-01
Household deposit rate (agreed maturity, new business) — PTPT1.14%2023-04-01
Household deposit rate (agreed maturity, new business) — SISI1.01%2023-04-01
Household deposit rate (agreed maturity, new business) — SKSK2.51%2023-04-01
Household deposit rate (agreed maturity, new business) — U2U22.31%2023-04-01
UK 2-year fixed rate savings bondGB3.90%2023-04-30
UK instant access savings rateGB1.63%2023-04-30

Government bond yields

Mortgage rates

SeriesCountryRateAs of
15-year fixed rate mortgage average (PMMS)US5.71%2023-04-27
30-year fixed rate mortgage average (PMMS)US6.43%2023-04-27
Mortgage rate (loans to households for house purchase, new business) — ATAT3.80%2023-04-01
Mortgage rate (loans to households for house purchase, new business) — BEBE3.46%2023-04-01
Mortgage rate (loans to households for house purchase, new business) — CYCY4.04%2023-04-01
Mortgage rate (loans to households for house purchase, new business) — DEDE3.89%2023-04-01
Mortgage rate (loans to households for house purchase, new business) — EEEE5.14%2023-04-01
Mortgage rate (loans to households for house purchase, new business) — ESES3.72%2023-04-01
Mortgage rate (loans to households for house purchase, new business) — FIFI3.69%2023-04-01
Mortgage rate (loans to households for house purchase, new business) — FRFR2.71%2023-04-01
Mortgage rate (loans to households for house purchase, new business) — GRGR3.91%2023-04-01
Mortgage rate (loans to households for house purchase, new business) — HRHR2.99%2023-04-01
Mortgage rate (loans to households for house purchase, new business) — IEIE3.55%2023-04-01
Mortgage rate (loans to households for house purchase, new business) — ITIT4.15%2023-04-01
Mortgage rate (loans to households for house purchase, new business) — LTLT5.27%2023-04-01
Mortgage rate (loans to households for house purchase, new business) — LULU4.02%2023-04-01
Mortgage rate (loans to households for house purchase, new business) — LVLV5.32%2023-04-01
Mortgage rate (loans to households for house purchase, new business) — MTMT2.28%2023-04-01
Mortgage rate (loans to households for house purchase, new business) — NLNL3.62%2023-04-01
Mortgage rate (loans to households for house purchase, new business) — PTPT3.89%2023-04-01
Mortgage rate (loans to households for house purchase, new business) — SISI4.07%2023-04-01
Mortgage rate (loans to households for house purchase, new business) — SKSK3.68%2023-04-01
Mortgage rate (loans to households for house purchase, new business) — U2U23.49%2023-04-01
OBMMI — 15-Year Fixed Rate ConformingUS5.91%2023-04-28
OBMMI — 30-Year Fixed Rate Conforming Mortgage IndexUS6.45%2023-04-28
OBMMI — 30-Year Fixed Rate Conforming, Non-AdjustedUS6.22%2023-04-28
OBMMI — FHA 30-Year FixedUS6.38%2023-04-28
OBMMI — Jumbo 30-Year FixedUS6.49%2023-04-28
OBMMI — LTV >80, FICO <680US6.76%2023-04-28
OBMMI — LTV >80, FICO ≥740US6.42%2023-04-28
OBMMI — LTV >80, FICO 680–699US6.56%2023-04-28
OBMMI — LTV >80, FICO 700–719US6.65%2023-04-28
OBMMI — LTV >80, FICO 720–739US6.59%2023-04-28
OBMMI — LTV ≤80, FICO <680US6.55%2023-04-28
OBMMI — LTV ≤80, FICO ≥740US6.35%2023-04-28
OBMMI — LTV ≤80, FICO 680–699US6.57%2023-04-28
OBMMI — LTV ≤80, FICO 700–719US6.44%2023-04-28
OBMMI — LTV ≤80, FICO 720–739US6.34%2023-04-28
OBMMI — USDA 30-Year FixedUS6.46%2023-04-28
OBMMI — VA 30-Year FixedUS6.10%2023-04-28
Posted rate (major chartered banks) — Conventional mortgage: 1-yearCA6.29%2023-04-26
Posted rate (major chartered banks) — Conventional mortgage: 3-yearCA6.14%2023-04-26
Posted rate (major chartered banks) — Conventional mortgage: 5-yearCA6.49%2023-04-26
Posted rate (major chartered banks) — Daily interest savings (balances over $100,000)CA0.01%2023-04-26
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-yearCA3.03%2023-04-26
Posted rate (major chartered banks) — Guaranteed investment certificates: 3-yearCA3.13%2023-04-26
Posted rate (major chartered banks) — Guaranteed investment certificates: 5-yearCA3.23%2023-04-26
Posted rate (major chartered banks) — Non-chequable savings depositsCA0.01%2023-04-26
Posted rate (major chartered banks) — Personal deposits: 5-year fixed termCA2.75%2023-04-26
Posted rate (major chartered banks) — Prime rateCA6.70%2023-04-26
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, <1 yearCA8.15%2023-04-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 1 to <3 yearsCA5.63%2023-04-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 3 to <5 yearsCA5.00%2023-04-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 5 years and overCA4.89%2023-04-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Variable rateCA6.65%2023-04-01
Rate actually charged on new mortgage lending — Residential mortgages, insured, TotalCA5.51%2023-04-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, <1 yearCA7.56%2023-04-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 1 to <3 yearsCA5.50%2023-04-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 3 to <5 yearsCA5.08%2023-04-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 5 years and overCA5.08%2023-04-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Variable rateCA6.71%2023-04-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured, TotalCA5.50%2023-04-01
UK 2-year fixed mortgage rate (75% LTV)GB4.60%2023-04-30
UK 5-year fixed mortgage rate (75% LTV)GB4.36%2023-04-30

Central bank policy rates

SeriesCountryRateAs of
Bank of Canada target for the overnight rateCA4.50%2023-04-28
Bank of England Bank RateGB4.25%2023-04-30
ECB deposit facility rateU23.00%2023-04-30

About this snapshot

118 series had published data by 2023-04-30. 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.