The Rate Engine

Interest rates in July 2023

Every rate we track, as it stood on 2023-07-31. 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.

2023-06 · 2023-08

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consumer-credit

SeriesCountryRateAs of
US personal loan rate, 24-month (commercial banks)US11.48%2023-05-01

Deposit & savings rates

SeriesCountryRateAs of
FDIC national average interest checking rateUS0.07%2023-07-01
FDIC national average savings rateUS0.42%2023-07-01
Household deposit rate (agreed maturity, new business) — ATAT2.85%2023-07-01
Household deposit rate (agreed maturity, new business) — BEBE3.12%2023-07-01
Household deposit rate (agreed maturity, new business) — BGBG1.29%2023-07-01
Household deposit rate (agreed maturity, new business) — CYCY1.07%2023-07-01
Household deposit rate (agreed maturity, new business) — DEDE2.92%2023-07-01
Household deposit rate (agreed maturity, new business) — EEEE3.42%2023-07-01
Household deposit rate (agreed maturity, new business) — ESES2.36%2023-07-01
Household deposit rate (agreed maturity, new business) — FIFI2.94%2023-07-01
Household deposit rate (agreed maturity, new business) — FRFR3.50%2023-07-01
Household deposit rate (agreed maturity, new business) — GRGR1.56%2023-07-01
Household deposit rate (agreed maturity, new business) — HRHR0.83%2023-07-01
Household deposit rate (agreed maturity, new business) — IEIE1.89%2023-07-01
Household deposit rate (agreed maturity, new business) — ITIT3.29%2023-07-01
Household deposit rate (agreed maturity, new business) — LTLT3.26%2023-07-01
Household deposit rate (agreed maturity, new business) — LULU3.01%2023-07-01
Household deposit rate (agreed maturity, new business) — LVLV3.05%2023-07-01
Household deposit rate (agreed maturity, new business) — MTMT2.72%2023-07-01
Household deposit rate (agreed maturity, new business) — NLNL2.69%2023-07-01
Household deposit rate (agreed maturity, new business) — PTPT1.81%2023-07-01
Household deposit rate (agreed maturity, new business) — SISI1.40%2023-07-01
Household deposit rate (agreed maturity, new business) — SKSK2.99%2023-07-01
Household deposit rate (agreed maturity, new business) — U2U22.85%2023-07-01
UK 2-year fixed rate savings bondGB5.10%2023-07-31
UK instant access savings rateGB2.23%2023-07-31

Government bond yields

Mortgage rates

SeriesCountryRateAs of
15-year fixed rate mortgage average (PMMS)US6.11%2023-07-27
30-year fixed rate mortgage average (PMMS)US6.81%2023-07-27
Mortgage rate (loans to households for house purchase, new business) — ATAT4.18%2023-07-01
Mortgage rate (loans to households for house purchase, new business) — BEBE3.63%2023-07-01
Mortgage rate (loans to households for house purchase, new business) — CYCY4.14%2023-07-01
Mortgage rate (loans to households for house purchase, new business) — DEDE4.00%2023-07-01
Mortgage rate (loans to households for house purchase, new business) — EEEE5.92%2023-07-01
Mortgage rate (loans to households for house purchase, new business) — ESES3.87%2023-07-01
Mortgage rate (loans to households for house purchase, new business) — FIFI4.14%2023-07-01
Mortgage rate (loans to households for house purchase, new business) — FRFR3.16%2023-07-01
Mortgage rate (loans to households for house purchase, new business) — GRGR4.22%2023-07-01
Mortgage rate (loans to households for house purchase, new business) — HRHR3.25%2023-07-01
Mortgage rate (loans to households for house purchase, new business) — IEIE4.02%2023-07-01
Mortgage rate (loans to households for house purchase, new business) — ITIT4.23%2023-07-01
Mortgage rate (loans to households for house purchase, new business) — LTLT5.71%2023-07-01
Mortgage rate (loans to households for house purchase, new business) — LULU4.28%2023-07-01
Mortgage rate (loans to households for house purchase, new business) — LVLV5.67%2023-07-01
Mortgage rate (loans to households for house purchase, new business) — MTMT2.18%2023-07-01
Mortgage rate (loans to households for house purchase, new business) — NLNL3.89%2023-07-01
Mortgage rate (loans to households for house purchase, new business) — PTPT4.26%2023-07-01
Mortgage rate (loans to households for house purchase, new business) — SISI4.16%2023-07-01
Mortgage rate (loans to households for house purchase, new business) — SKSK3.91%2023-07-01
Mortgage rate (loans to households for house purchase, new business) — U2U23.77%2023-07-01
OBMMI — 15-Year Fixed Rate ConformingUS6.24%2023-07-31
OBMMI — 30-Year Fixed Rate Conforming Mortgage IndexUS6.88%2023-07-31
OBMMI — 30-Year Fixed Rate Conforming, Non-AdjustedUS6.69%2023-07-31
OBMMI — FHA 30-Year FixedUS6.78%2023-07-31
OBMMI — Jumbo 30-Year FixedUS7.05%2023-07-31
OBMMI — LTV >80, FICO <680US7.09%2023-07-31
OBMMI — LTV >80, FICO ≥740US6.90%2023-07-31
OBMMI — LTV >80, FICO 680–699US7.09%2023-07-31
OBMMI — LTV >80, FICO 700–719US6.99%2023-07-31
OBMMI — LTV >80, FICO 720–739US6.99%2023-07-31
OBMMI — LTV ≤80, FICO <680US7.04%2023-07-31
OBMMI — LTV ≤80, FICO ≥740US6.78%2023-07-31
OBMMI — LTV ≤80, FICO 680–699US7.01%2023-07-31
OBMMI — LTV ≤80, FICO 700–719US6.88%2023-07-31
OBMMI — LTV ≤80, FICO 720–739US6.80%2023-07-31
OBMMI — USDA 30-Year FixedUS6.77%2023-07-31
OBMMI — VA 30-Year FixedUS6.62%2023-07-31
Posted rate (major chartered banks) — Conventional mortgage: 1-yearCA7.49%2023-07-26
Posted rate (major chartered banks) — Conventional mortgage: 3-yearCA6.54%2023-07-26
Posted rate (major chartered banks) — Conventional mortgage: 5-yearCA6.49%2023-07-26
Posted rate (major chartered banks) — Daily interest savings (balances over $100,000)CA0.01%2023-07-26
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-yearCA3.25%2023-07-26
Posted rate (major chartered banks) — Guaranteed investment certificates: 3-yearCA3.50%2023-07-26
Posted rate (major chartered banks) — Guaranteed investment certificates: 5-yearCA3.75%2023-07-26
Posted rate (major chartered banks) — Non-chequable savings depositsCA0.01%2023-07-26
Posted rate (major chartered banks) — Personal deposits: 5-year fixed termCA3.00%2023-07-26
Posted rate (major chartered banks) — Prime rateCA7.20%2023-07-26
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, <1 yearCA8.39%2023-07-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 1 to <3 yearsCA5.87%2023-07-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 3 to <5 yearsCA5.28%2023-07-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 5 years and overCA5.02%2023-07-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Variable rateCA7.68%2023-07-01
Rate actually charged on new mortgage lending — Residential mortgages, insured, TotalCA5.61%2023-07-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, <1 yearCA8.07%2023-07-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 1 to <3 yearsCA5.61%2023-07-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 3 to <5 yearsCA5.37%2023-07-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 5 years and overCA5.31%2023-07-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Variable rateCA7.25%2023-07-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured, TotalCA5.64%2023-07-01
UK 2-year fixed mortgage rate (75% LTV)GB6.22%2023-07-31
UK 5-year fixed mortgage rate (75% LTV)GB5.93%2023-07-31

Central bank policy rates

SeriesCountryRateAs of
Bank of Canada target for the overnight rateCA5.00%2023-07-31
Bank of England Bank RateGB5.00%2023-07-31
ECB deposit facility rateU23.50%2023-07-31

About this snapshot

118 series had published data by 2023-07-31. 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.