The Rate Engine

Interest rates in September 2023

Every rate we track, as it stood on 2023-09-30. 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.

2023-08 · 2023-10

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consumer-credit

SeriesCountryRateAs of
US personal loan rate, 24-month (commercial banks)US12.17%2023-08-01

Deposit & savings rates

SeriesCountryRateAs of
FDIC national average interest checking rateUS0.07%2023-09-01
FDIC national average savings rateUS0.45%2023-09-01
Household deposit rate (agreed maturity, new business) — ATAT3.09%2023-09-01
Household deposit rate (agreed maturity, new business) — BEBE3.46%2023-09-01
Household deposit rate (agreed maturity, new business) — BGBG1.04%2023-09-01
Household deposit rate (agreed maturity, new business) — CYCY1.53%2023-09-01
Household deposit rate (agreed maturity, new business) — DEDE3.22%2023-09-01
Household deposit rate (agreed maturity, new business) — EEEE3.72%2023-09-01
Household deposit rate (agreed maturity, new business) — ESES2.34%2023-09-01
Household deposit rate (agreed maturity, new business) — FIFI3.20%2023-09-01
Household deposit rate (agreed maturity, new business) — FRFR3.60%2023-09-01
Household deposit rate (agreed maturity, new business) — GRGR1.75%2023-09-01
Household deposit rate (agreed maturity, new business) — HRHR1.19%2023-09-01
Household deposit rate (agreed maturity, new business) — IEIE2.54%2023-09-01
Household deposit rate (agreed maturity, new business) — ITIT3.54%2023-09-01
Household deposit rate (agreed maturity, new business) — LTLT3.45%2023-09-01
Household deposit rate (agreed maturity, new business) — LULU3.30%2023-09-01
Household deposit rate (agreed maturity, new business) — LVLV3.47%2023-09-01
Household deposit rate (agreed maturity, new business) — MTMT3.09%2023-09-01
Household deposit rate (agreed maturity, new business) — NLNL2.86%2023-09-01
Household deposit rate (agreed maturity, new business) — PTPT2.29%2023-09-01
Household deposit rate (agreed maturity, new business) — SISI2.12%2023-09-01
Household deposit rate (agreed maturity, new business) — SKSK3.22%2023-09-01
Household deposit rate (agreed maturity, new business) — U2U23.08%2023-09-01
UK 2-year fixed rate savings bondGB5.41%2023-09-30
UK instant access savings rateGB2.74%2023-09-30

Government bond yields

Mortgage rates

SeriesCountryRateAs of
15-year fixed rate mortgage average (PMMS)US6.72%2023-09-28
30-year fixed rate mortgage average (PMMS)US7.31%2023-09-28
Mortgage rate (loans to households for house purchase, new business) — ATAT3.94%2023-09-01
Mortgage rate (loans to households for house purchase, new business) — BEBE3.76%2023-09-01
Mortgage rate (loans to households for house purchase, new business) — CYCY4.50%2023-09-01
Mortgage rate (loans to households for house purchase, new business) — DEDE4.12%2023-09-01
Mortgage rate (loans to households for house purchase, new business) — EEEE6.05%2023-09-01
Mortgage rate (loans to households for house purchase, new business) — ESES3.97%2023-09-01
Mortgage rate (loans to households for house purchase, new business) — FIFI4.37%2023-09-01
Mortgage rate (loans to households for house purchase, new business) — FRFR3.36%2023-09-01
Mortgage rate (loans to households for house purchase, new business) — GRGR4.31%2023-09-01
Mortgage rate (loans to households for house purchase, new business) — HRHR3.52%2023-09-01
Mortgage rate (loans to households for house purchase, new business) — IEIE4.19%2023-09-01
Mortgage rate (loans to households for house purchase, new business) — ITIT4.34%2023-09-01
Mortgage rate (loans to households for house purchase, new business) — LTLT5.81%2023-09-01
Mortgage rate (loans to households for house purchase, new business) — LULU4.35%2023-09-01
Mortgage rate (loans to households for house purchase, new business) — LVLV5.87%2023-09-01
Mortgage rate (loans to households for house purchase, new business) — MTMT2.11%2023-09-01
Mortgage rate (loans to households for house purchase, new business) — NLNL3.98%2023-09-01
Mortgage rate (loans to households for house purchase, new business) — PTPT4.49%2023-09-01
Mortgage rate (loans to households for house purchase, new business) — SISI4.10%2023-09-01
Mortgage rate (loans to households for house purchase, new business) — SKSK3.92%2023-09-01
Mortgage rate (loans to households for house purchase, new business) — U2U23.90%2023-09-01
OBMMI — 15-Year Fixed Rate ConformingUS6.81%2023-09-29
OBMMI — 30-Year Fixed Rate Conforming Mortgage IndexUS7.41%2023-09-29
OBMMI — 30-Year Fixed Rate Conforming, Non-AdjustedUS7.23%2023-09-29
OBMMI — FHA 30-Year FixedUS7.18%2023-09-29
OBMMI — Jumbo 30-Year FixedUS7.60%2023-09-29
OBMMI — LTV >80, FICO <680US7.53%2023-09-29
OBMMI — LTV >80, FICO ≥740US7.43%2023-09-29
OBMMI — LTV >80, FICO 680–699US7.49%2023-09-29
OBMMI — LTV >80, FICO 700–719US7.63%2023-09-29
OBMMI — LTV >80, FICO 720–739US7.50%2023-09-29
OBMMI — LTV ≤80, FICO <680US7.45%2023-09-29
OBMMI — LTV ≤80, FICO ≥740US7.32%2023-09-29
OBMMI — LTV ≤80, FICO 680–699US7.44%2023-09-29
OBMMI — LTV ≤80, FICO 700–719US7.45%2023-09-29
OBMMI — LTV ≤80, FICO 720–739US7.41%2023-09-29
OBMMI — USDA 30-Year FixedUS7.06%2023-09-29
OBMMI — VA 30-Year FixedUS7.00%2023-09-29
Posted rate (major chartered banks) — Conventional mortgage: 1-yearCA7.79%2023-09-27
Posted rate (major chartered banks) — Conventional mortgage: 3-yearCA7.04%2023-09-27
Posted rate (major chartered banks) — Conventional mortgage: 5-yearCA6.84%2023-09-27
Posted rate (major chartered banks) — Daily interest savings (balances over $100,000)CA0.01%2023-09-27
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-yearCA5.10%2023-09-27
Posted rate (major chartered banks) — Guaranteed investment certificates: 3-yearCA4.02%2023-09-27
Posted rate (major chartered banks) — Guaranteed investment certificates: 5-yearCA4.35%2023-09-27
Posted rate (major chartered banks) — Non-chequable savings depositsCA0.01%2023-09-27
Posted rate (major chartered banks) — Personal deposits: 5-year fixed termCA3.17%2023-09-27
Posted rate (major chartered banks) — Prime rateCA7.20%2023-09-27
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, <1 yearCA8.70%2023-09-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 1 to <3 yearsCA6.38%2023-09-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 3 to <5 yearsCA5.74%2023-09-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 5 years and overCA5.35%2023-09-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Variable rateCA7.28%2023-09-01
Rate actually charged on new mortgage lending — Residential mortgages, insured, TotalCA6.05%2023-09-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, <1 yearCA8.01%2023-09-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 1 to <3 yearsCA5.99%2023-09-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 3 to <5 yearsCA5.78%2023-09-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 5 years and overCA5.69%2023-09-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Variable rateCA7.13%2023-09-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured, TotalCA6.07%2023-09-01
UK 2-year fixed mortgage rate (75% LTV)GB5.91%2023-09-30
UK 5-year fixed mortgage rate (75% LTV)GB5.79%2023-09-30

Central bank policy rates

SeriesCountryRateAs of
Bank of Canada target for the overnight rateCA5.00%2023-09-29
Bank of England Bank RateGB5.25%2023-09-30
ECB deposit facility rateU24.00%2023-09-30

About this snapshot

118 series had published data by 2023-09-30. 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.