The Rate Engine

Interest rates in November 2023

Every rate we track, as it stood on 2023-11-30. 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.

2023-10 · 2023-12

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consumer-credit

SeriesCountryRateAs of
US personal loan rate, 24-month (commercial banks)US12.35%2023-11-01

Deposit & savings rates

SeriesCountryRateAs of
FDIC national average interest checking rateUS0.07%2023-11-01
FDIC national average savings rateUS0.46%2023-11-01
Household deposit rate (agreed maturity, new business) — ATAT3.50%2023-11-01
Household deposit rate (agreed maturity, new business) — BEBE3.50%2023-11-01
Household deposit rate (agreed maturity, new business) — BGBG1.22%2023-11-01
Household deposit rate (agreed maturity, new business) — CYCY1.87%2023-11-01
Household deposit rate (agreed maturity, new business) — DEDE3.43%2023-11-01
Household deposit rate (agreed maturity, new business) — EEEE4.02%2023-11-01
Household deposit rate (agreed maturity, new business) — ESES2.57%2023-11-01
Household deposit rate (agreed maturity, new business) — FIFI3.44%2023-11-01
Household deposit rate (agreed maturity, new business) — FRFR3.76%2023-11-01
Household deposit rate (agreed maturity, new business) — GRGR1.80%2023-11-01
Household deposit rate (agreed maturity, new business) — HRHR2.35%2023-11-01
Household deposit rate (agreed maturity, new business) — IEIE2.62%2023-11-01
Household deposit rate (agreed maturity, new business) — ITIT3.86%2023-11-01
Household deposit rate (agreed maturity, new business) — LTLT3.67%2023-11-01
Household deposit rate (agreed maturity, new business) — LULU3.40%2023-11-01
Household deposit rate (agreed maturity, new business) — LVLV3.61%2023-11-01
Household deposit rate (agreed maturity, new business) — MTMT3.49%2023-11-01
Household deposit rate (agreed maturity, new business) — NLNL2.99%2023-11-01
Household deposit rate (agreed maturity, new business) — PTPT2.98%2023-11-01
Household deposit rate (agreed maturity, new business) — SISI2.05%2023-11-01
Household deposit rate (agreed maturity, new business) — SKSK3.36%2023-11-01
Household deposit rate (agreed maturity, new business) — U2U23.32%2023-11-01
UK 2-year fixed rate savings bondGB5.21%2023-11-30
UK instant access savings rateGB2.80%2023-11-30

Government bond yields

Mortgage rates

SeriesCountryRateAs of
15-year fixed rate mortgage average (PMMS)US6.56%2023-11-30
30-year fixed rate mortgage average (PMMS)US7.22%2023-11-30
Mortgage rate (loans to households for house purchase, new business) — ATAT4.22%2023-11-01
Mortgage rate (loans to households for house purchase, new business) — BEBE3.83%2023-11-01
Mortgage rate (loans to households for house purchase, new business) — CYCY5.17%2023-11-01
Mortgage rate (loans to households for house purchase, new business) — DEDE4.22%2023-11-01
Mortgage rate (loans to households for house purchase, new business) — EEEE6.11%2023-11-01
Mortgage rate (loans to households for house purchase, new business) — ESES3.91%2023-11-01
Mortgage rate (loans to households for house purchase, new business) — FIFI4.39%2023-11-01
Mortgage rate (loans to households for house purchase, new business) — FRFR3.52%2023-11-01
Mortgage rate (loans to households for house purchase, new business) — GRGR4.46%2023-11-01
Mortgage rate (loans to households for house purchase, new business) — HRHR3.61%2023-11-01
Mortgage rate (loans to households for house purchase, new business) — IEIE4.22%2023-11-01
Mortgage rate (loans to households for house purchase, new business) — ITIT4.61%2023-11-01
Mortgage rate (loans to households for house purchase, new business) — LTLT5.86%2023-11-01
Mortgage rate (loans to households for house purchase, new business) — LULU4.43%2023-11-01
Mortgage rate (loans to households for house purchase, new business) — LVLV5.93%2023-11-01
Mortgage rate (loans to households for house purchase, new business) — MTMT2.09%2023-11-01
Mortgage rate (loans to households for house purchase, new business) — NLNL4.07%2023-11-01
Mortgage rate (loans to households for house purchase, new business) — PTPT4.60%2023-11-01
Mortgage rate (loans to households for house purchase, new business) — SISI4.07%2023-11-01
Mortgage rate (loans to households for house purchase, new business) — SKSK4.05%2023-11-01
Mortgage rate (loans to households for house purchase, new business) — U2U24.03%2023-11-01
OBMMI — 15-Year Fixed Rate ConformingUS6.47%2023-11-30
OBMMI — 30-Year Fixed Rate Conforming Mortgage IndexUS7.11%2023-11-30
OBMMI — 30-Year Fixed Rate Conforming, Non-AdjustedUS6.90%2023-11-30
OBMMI — FHA 30-Year FixedUS6.90%2023-11-30
OBMMI — Jumbo 30-Year FixedUS7.61%2023-11-30
OBMMI — LTV >80, FICO <680US7.49%2023-11-30
OBMMI — LTV >80, FICO ≥740US7.10%2023-11-30
OBMMI — LTV >80, FICO 680–699US7.23%2023-11-30
OBMMI — LTV >80, FICO 700–719US7.29%2023-11-30
OBMMI — LTV >80, FICO 720–739US7.18%2023-11-30
OBMMI — LTV ≤80, FICO <680US7.17%2023-11-30
OBMMI — LTV ≤80, FICO ≥740US7.01%2023-11-30
OBMMI — LTV ≤80, FICO 680–699US7.16%2023-11-30
OBMMI — LTV ≤80, FICO 700–719US7.15%2023-11-30
OBMMI — LTV ≤80, FICO 720–739US7.09%2023-11-30
OBMMI — USDA 30-Year FixedUS6.88%2023-11-30
OBMMI — VA 30-Year FixedUS6.79%2023-11-30
Posted rate (major chartered banks) — Conventional mortgage: 1-yearCA8.09%2023-11-29
Posted rate (major chartered banks) — Conventional mortgage: 3-yearCA7.24%2023-11-29
Posted rate (major chartered banks) — Conventional mortgage: 5-yearCA7.04%2023-11-29
Posted rate (major chartered banks) — Daily interest savings (balances over $100,000)CA0.01%2023-11-29
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-yearCA4.90%2023-11-29
Posted rate (major chartered banks) — Guaranteed investment certificates: 3-yearCA4.02%2023-11-29
Posted rate (major chartered banks) — Guaranteed investment certificates: 5-yearCA4.90%2023-11-29
Posted rate (major chartered banks) — Non-chequable savings depositsCA0.01%2023-11-29
Posted rate (major chartered banks) — Personal deposits: 5-year fixed termCA3.40%2023-11-29
Posted rate (major chartered banks) — Prime rateCA7.20%2023-11-29
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, <1 yearCA8.73%2023-11-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 1 to <3 yearsCA6.58%2023-11-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 3 to <5 yearsCA5.99%2023-11-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 5 years and overCA5.64%2023-11-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Variable rateCA6.88%2023-11-01
Rate actually charged on new mortgage lending — Residential mortgages, insured, TotalCA6.31%2023-11-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, <1 yearCA8.00%2023-11-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 1 to <3 yearsCA6.23%2023-11-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 3 to <5 yearsCA6.14%2023-11-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 5 years and overCA6.00%2023-11-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Variable rateCA6.99%2023-11-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured, TotalCA6.42%2023-11-01
UK 2-year fixed mortgage rate (75% LTV)GB5.28%2023-11-30
UK 5-year fixed mortgage rate (75% LTV)GB5.27%2023-11-30

Central bank policy rates

SeriesCountryRateAs of
Bank of Canada target for the overnight rateCA5.00%2023-11-30
Bank of England Bank RateGB5.25%2023-11-30
ECB deposit facility rateU24.00%2023-11-30

About this snapshot

118 series had published data by 2023-11-30. 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.