The Rate Engine

Interest rates in October 2023

Every rate we track, as it stood on 2023-10-31. 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.

2023-09 · 2023-11

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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%2023-10-01
FDIC national average savings rateUS0.46%2023-10-01
Household deposit rate (agreed maturity, new business) — ATAT3.52%2023-10-01
Household deposit rate (agreed maturity, new business) — BEBE3.51%2023-10-01
Household deposit rate (agreed maturity, new business) — BGBG1.12%2023-10-01
Household deposit rate (agreed maturity, new business) — CYCY1.54%2023-10-01
Household deposit rate (agreed maturity, new business) — DEDE3.39%2023-10-01
Household deposit rate (agreed maturity, new business) — EEEE4.05%2023-10-01
Household deposit rate (agreed maturity, new business) — ESES2.44%2023-10-01
Household deposit rate (agreed maturity, new business) — FIFI3.35%2023-10-01
Household deposit rate (agreed maturity, new business) — FRFR3.73%2023-10-01
Household deposit rate (agreed maturity, new business) — GRGR1.78%2023-10-01
Household deposit rate (agreed maturity, new business) — HRHR2.33%2023-10-01
Household deposit rate (agreed maturity, new business) — IEIE2.59%2023-10-01
Household deposit rate (agreed maturity, new business) — ITIT3.80%2023-10-01
Household deposit rate (agreed maturity, new business) — LTLT3.42%2023-10-01
Household deposit rate (agreed maturity, new business) — LULU3.37%2023-10-01
Household deposit rate (agreed maturity, new business) — LVLV3.34%2023-10-01
Household deposit rate (agreed maturity, new business) — MTMT3.30%2023-10-01
Household deposit rate (agreed maturity, new business) — NLNL2.95%2023-10-01
Household deposit rate (agreed maturity, new business) — PTPT2.93%2023-10-01
Household deposit rate (agreed maturity, new business) — SISI2.17%2023-10-01
Household deposit rate (agreed maturity, new business) — SKSK3.37%2023-10-01
Household deposit rate (agreed maturity, new business) — U2U23.27%2023-10-01
UK 2-year fixed rate savings bondGB5.45%2023-10-31
UK instant access savings rateGB2.77%2023-10-31

Government bond yields

Mortgage rates

SeriesCountryRateAs of
15-year fixed rate mortgage average (PMMS)US7.03%2023-10-26
30-year fixed rate mortgage average (PMMS)US7.79%2023-10-26
Mortgage rate (loans to households for house purchase, new business) — ATAT4.20%2023-10-01
Mortgage rate (loans to households for house purchase, new business) — BEBE3.78%2023-10-01
Mortgage rate (loans to households for house purchase, new business) — CYCY4.82%2023-10-01
Mortgage rate (loans to households for house purchase, new business) — DEDE4.15%2023-10-01
Mortgage rate (loans to households for house purchase, new business) — EEEE6.32%2023-10-01
Mortgage rate (loans to households for house purchase, new business) — ESES3.99%2023-10-01
Mortgage rate (loans to households for house purchase, new business) — FIFI4.43%2023-10-01
Mortgage rate (loans to households for house purchase, new business) — FRFR3.43%2023-10-01
Mortgage rate (loans to households for house purchase, new business) — GRGR4.58%2023-10-01
Mortgage rate (loans to households for house purchase, new business) — HRHR3.57%2023-10-01
Mortgage rate (loans to households for house purchase, new business) — IEIE4.23%2023-10-01
Mortgage rate (loans to households for house purchase, new business) — ITIT4.36%2023-10-01
Mortgage rate (loans to households for house purchase, new business) — LTLT5.89%2023-10-01
Mortgage rate (loans to households for house purchase, new business) — LULU4.34%2023-10-01
Mortgage rate (loans to households for house purchase, new business) — LVLV5.94%2023-10-01
Mortgage rate (loans to households for house purchase, new business) — MTMT2.17%2023-10-01
Mortgage rate (loans to households for house purchase, new business) — NLNL3.76%2023-10-01
Mortgage rate (loans to households for house purchase, new business) — PTPT4.57%2023-10-01
Mortgage rate (loans to households for house purchase, new business) — SISI4.06%2023-10-01
Mortgage rate (loans to households for house purchase, new business) — SKSK4.01%2023-10-01
Mortgage rate (loans to households for house purchase, new business) — U2U23.92%2023-10-01
OBMMI — 15-Year Fixed Rate ConformingUS7.00%2023-10-31
OBMMI — 30-Year Fixed Rate Conforming Mortgage IndexUS7.78%2023-10-31
OBMMI — 30-Year Fixed Rate Conforming, Non-AdjustedUS7.62%2023-10-31
OBMMI — FHA 30-Year FixedUS7.44%2023-10-31
OBMMI — Jumbo 30-Year FixedUS7.94%2023-10-31
OBMMI — LTV >80, FICO <680US8.12%2023-10-31
OBMMI — LTV >80, FICO ≥740US7.78%2023-10-31
OBMMI — LTV >80, FICO 680–699US7.92%2023-10-31
OBMMI — LTV >80, FICO 700–719US7.89%2023-10-31
OBMMI — LTV >80, FICO 720–739US7.85%2023-10-31
OBMMI — LTV ≤80, FICO <680US7.91%2023-10-31
OBMMI — LTV ≤80, FICO ≥740US7.70%2023-10-31
OBMMI — LTV ≤80, FICO 680–699US7.71%2023-10-31
OBMMI — LTV ≤80, FICO 700–719US7.85%2023-10-31
OBMMI — LTV ≤80, FICO 720–739US7.71%2023-10-31
OBMMI — USDA 30-Year FixedUS7.53%2023-10-31
OBMMI — VA 30-Year FixedUS7.40%2023-10-31
Posted rate (major chartered banks) — Conventional mortgage: 1-yearCA8.09%2023-10-25
Posted rate (major chartered banks) — Conventional mortgage: 3-yearCA7.14%2023-10-25
Posted rate (major chartered banks) — Conventional mortgage: 5-yearCA7.04%2023-10-25
Posted rate (major chartered banks) — Daily interest savings (balances over $100,000)CA0.01%2023-10-25
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-yearCA4.92%2023-10-25
Posted rate (major chartered banks) — Guaranteed investment certificates: 3-yearCA4.02%2023-10-25
Posted rate (major chartered banks) — Guaranteed investment certificates: 5-yearCA4.27%2023-10-25
Posted rate (major chartered banks) — Non-chequable savings depositsCA0.01%2023-10-25
Posted rate (major chartered banks) — Personal deposits: 5-year fixed termCA3.40%2023-10-25
Posted rate (major chartered banks) — Prime rateCA7.20%2023-10-25
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, <1 yearCA8.72%2023-10-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 1 to <3 yearsCA6.52%2023-10-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 3 to <5 yearsCA5.94%2023-10-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 5 years and overCA5.54%2023-10-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Variable rateCA7.03%2023-10-01
Rate actually charged on new mortgage lending — Residential mortgages, insured, TotalCA6.25%2023-10-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, <1 yearCA8.06%2023-10-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 1 to <3 yearsCA6.22%2023-10-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 3 to <5 yearsCA6.03%2023-10-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 5 years and overCA5.79%2023-10-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Variable rateCA7.07%2023-10-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured, TotalCA6.30%2023-10-01
UK 2-year fixed mortgage rate (75% LTV)GB5.60%2023-10-31
UK 5-year fixed mortgage rate (75% LTV)GB5.43%2023-10-31

Central bank policy rates

SeriesCountryRateAs of
Bank of Canada target for the overnight rateCA5.00%2023-10-31
Bank of England Bank RateGB5.25%2023-10-31
ECB deposit facility rateU24.00%2023-10-31

About this snapshot

118 series had published data by 2023-10-31. 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.