The Rate Engine

Interest rates in September 2024

Every rate we track, as it stood on 2024-09-30. 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.

2024-08 · 2024-10

auto

card

consumer-credit

SeriesCountryRateAs of
US personal loan rate, 24-month (commercial banks)US12.33%2024-08-01

Deposit & savings rates

SeriesCountryRateAs of
FDIC national average interest checking rateUS0.08%2024-09-01
FDIC national average savings rateUS0.46%2024-09-01
Household deposit rate (agreed maturity, new business) — ATAT2.83%2024-09-01
Household deposit rate (agreed maturity, new business) — BEBE3.54%2024-09-01
Household deposit rate (agreed maturity, new business) — BGBG1.77%2024-09-01
Household deposit rate (agreed maturity, new business) — CYCY1.95%2024-09-01
Household deposit rate (agreed maturity, new business) — DEDE2.89%2024-09-01
Household deposit rate (agreed maturity, new business) — EEEE3.55%2024-09-01
Household deposit rate (agreed maturity, new business) — ESES2.39%2024-09-01
Household deposit rate (agreed maturity, new business) — FIFI3.28%2024-09-01
Household deposit rate (agreed maturity, new business) — FRFR3.16%2024-09-01
Household deposit rate (agreed maturity, new business) — GRGR1.85%2024-09-01
Household deposit rate (agreed maturity, new business) — HRHR1.85%2024-09-01
Household deposit rate (agreed maturity, new business) — IEIE2.63%2024-09-01
Household deposit rate (agreed maturity, new business) — ITIT3.52%2024-09-01
Household deposit rate (agreed maturity, new business) — LTLT3.00%2024-09-01
Household deposit rate (agreed maturity, new business) — LULU3.00%2024-09-01
Household deposit rate (agreed maturity, new business) — LVLV3.07%2024-09-01
Household deposit rate (agreed maturity, new business) — MTMT2.90%2024-09-01
Household deposit rate (agreed maturity, new business) — NLNL2.80%2024-09-01
Household deposit rate (agreed maturity, new business) — PTPT2.54%2024-09-01
Household deposit rate (agreed maturity, new business) — SISI1.86%2024-09-01
Household deposit rate (agreed maturity, new business) — SKSK3.13%2024-09-01
Household deposit rate (agreed maturity, new business) — U2U22.98%2024-09-01
UK 2-year fixed rate savings bondGB4.30%2024-09-30
UK instant access savings rateGB2.66%2024-09-30

Government bond yields

Mortgage rates

SeriesCountryRateAs of
15-year fixed rate mortgage average (PMMS)US5.16%2024-09-26
30-year fixed rate mortgage average (PMMS)US6.08%2024-09-26
Alabama — 25th percentile (cheaper quarter), conventional home purchaseUS6.44%2024-01-01
Alabama — 75th percentile (dearer quarter), conventional home purchaseUS7.44%2024-01-01
Alabama — Median rate paid, conventional home purchaseUS6.94%2024-01-01
Alaska — 25th percentile (cheaper quarter), conventional home purchaseUS6.19%2024-01-01
Alaska — 75th percentile (dearer quarter), conventional home purchaseUS6.94%2024-01-01
Alaska — Median rate paid, conventional home purchaseUS6.56%2024-01-01
Arizona — 25th percentile (cheaper quarter), conventional home purchaseUS6.19%2024-01-01
Arizona — 75th percentile (dearer quarter), conventional home purchaseUS7.06%2024-01-01
Arizona — Median rate paid, conventional home purchaseUS6.69%2024-01-01
Arkansas — 25th percentile (cheaper quarter), conventional home purchaseUS6.44%2024-01-01
Arkansas — 75th percentile (dearer quarter), conventional home purchaseUS7.44%2024-01-01
Arkansas — Median rate paid, conventional home purchaseUS6.94%2024-01-01
California — 25th percentile (cheaper quarter), conventional home purchaseUS6.31%2024-01-01
California — 75th percentile (dearer quarter), conventional home purchaseUS7.19%2024-01-01
California — Median rate paid, conventional home purchaseUS6.69%2024-01-01
Colorado — 25th percentile (cheaper quarter), conventional home purchaseUS6.19%2024-01-01
Colorado — 75th percentile (dearer quarter), conventional home purchaseUS7.06%2024-01-01
Colorado — Median rate paid, conventional home purchaseUS6.69%2024-01-01
Connecticut — 25th percentile (cheaper quarter), conventional home purchaseUS6.44%2024-01-01
Connecticut — 75th percentile (dearer quarter), conventional home purchaseUS7.06%2024-01-01
Connecticut — Median rate paid, conventional home purchaseUS6.69%2024-01-01
Delaware — 25th percentile (cheaper quarter), conventional home purchaseUS6.31%2024-01-01
Delaware — 75th percentile (dearer quarter), conventional home purchaseUS7.06%2024-01-01
Delaware — Median rate paid, conventional home purchaseUS6.69%2024-01-01
District of Columbia — 25th percentile (cheaper quarter), conventional home purchaseUS6.19%2024-01-01
District of Columbia — 75th percentile (dearer quarter), conventional home purchaseUS6.94%2024-01-01
District of Columbia — Median rate paid, conventional home purchaseUS6.69%2024-01-01
Florida — 25th percentile (cheaper quarter), conventional home purchaseUS6.31%2024-01-01
Florida — 75th percentile (dearer quarter), conventional home purchaseUS7.19%2024-01-01
Florida — Median rate paid, conventional home purchaseUS6.69%2024-01-01
Georgia — 25th percentile (cheaper quarter), conventional home purchaseUS6.44%2024-01-01
Georgia — 75th percentile (dearer quarter), conventional home purchaseUS7.06%2024-01-01
Georgia — Median rate paid, conventional home purchaseUS6.69%2024-01-01
Hawaii — 25th percentile (cheaper quarter), conventional home purchaseUS6.31%2024-01-01
Hawaii — 75th percentile (dearer quarter), conventional home purchaseUS7.06%2024-01-01
Hawaii — Median rate paid, conventional home purchaseUS6.69%2024-01-01
Idaho — 25th percentile (cheaper quarter), conventional home purchaseUS6.19%2024-01-01
Idaho — 75th percentile (dearer quarter), conventional home purchaseUS6.94%2024-01-01
Idaho — Median rate paid, conventional home purchaseUS6.69%2024-01-01
Illinois — 25th percentile (cheaper quarter), conventional home purchaseUS6.44%2024-01-01
Illinois — 75th percentile (dearer quarter), conventional home purchaseUS7.19%2024-01-01
Illinois — Median rate paid, conventional home purchaseUS6.94%2024-01-01
Indiana — 25th percentile (cheaper quarter), conventional home purchaseUS6.44%2024-01-01
Indiana — 75th percentile (dearer quarter), conventional home purchaseUS7.19%2024-01-01
Indiana — Median rate paid, conventional home purchaseUS6.94%2024-01-01
Iowa — 25th percentile (cheaper quarter), conventional home purchaseUS6.19%2024-01-01
Iowa — 75th percentile (dearer quarter), conventional home purchaseUS6.94%2024-01-01
Iowa — Median rate paid, conventional home purchaseUS6.56%2024-01-01
Kansas — 25th percentile (cheaper quarter), conventional home purchaseUS6.44%2024-01-01
Kansas — 75th percentile (dearer quarter), conventional home purchaseUS7.19%2024-01-01
Kansas — Median rate paid, conventional home purchaseUS6.69%2024-01-01
Kentucky — 25th percentile (cheaper quarter), conventional home purchaseUS6.44%2024-01-01
Kentucky — 75th percentile (dearer quarter), conventional home purchaseUS7.31%2024-01-01
Kentucky — Median rate paid, conventional home purchaseUS6.94%2024-01-01
Louisiana — 25th percentile (cheaper quarter), conventional home purchaseUS6.56%2024-01-01
Louisiana — 75th percentile (dearer quarter), conventional home purchaseUS7.56%2024-01-01
Louisiana — Median rate paid, conventional home purchaseUS6.94%2024-01-01
Maine — 25th percentile (cheaper quarter), conventional home purchaseUS6.56%2024-01-01
Maine — 75th percentile (dearer quarter), conventional home purchaseUS7.31%2024-01-01
Maine — Median rate paid, conventional home purchaseUS6.94%2024-01-01
Maryland — 25th percentile (cheaper quarter), conventional home purchaseUS6.44%2024-01-01
Maryland — 75th percentile (dearer quarter), conventional home purchaseUS7.06%2024-01-01
Maryland — Median rate paid, conventional home purchaseUS6.69%2024-01-01
Massachusetts — 25th percentile (cheaper quarter), conventional home purchaseUS6.31%2024-01-01
Massachusetts — 75th percentile (dearer quarter), conventional home purchaseUS6.94%2024-01-01
Massachusetts — Median rate paid, conventional home purchaseUS6.69%2024-01-01
Michigan — 25th percentile (cheaper quarter), conventional home purchaseUS6.44%2024-01-01
Michigan — 75th percentile (dearer quarter), conventional home purchaseUS7.19%2024-01-01
Michigan — Median rate paid, conventional home purchaseUS6.94%2024-01-01
Minnesota — 25th percentile (cheaper quarter), conventional home purchaseUS6.44%2024-01-01
Minnesota — 75th percentile (dearer quarter), conventional home purchaseUS7.19%2024-01-01
Minnesota — Median rate paid, conventional home purchaseUS6.81%2024-01-01
Mississippi — 25th percentile (cheaper quarter), conventional home purchaseUS6.56%2024-01-01
Mississippi — 75th percentile (dearer quarter), conventional home purchaseUS8.81%2024-01-01
Mississippi — Median rate paid, conventional home purchaseUS7.19%2024-01-01
Missouri — 25th percentile (cheaper quarter), conventional home purchaseUS6.44%2024-01-01
Missouri — 75th percentile (dearer quarter), conventional home purchaseUS7.19%2024-01-01
Missouri — Median rate paid, conventional home purchaseUS6.81%2024-01-01
Montana — 25th percentile (cheaper quarter), conventional home purchaseUS6.44%2024-01-01
Montana — 75th percentile (dearer quarter), conventional home purchaseUS7.19%2024-01-01
Montana — Median rate paid, conventional home purchaseUS6.69%2024-01-01
Mortgage rate (loans to households for house purchase, new business) — ATAT4.04%2024-09-01
Mortgage rate (loans to households for house purchase, new business) — BEBE3.36%2024-09-01
Mortgage rate (loans to households for house purchase, new business) — CYCY4.37%2024-09-01
Mortgage rate (loans to households for house purchase, new business) — DEDE3.78%2024-09-01
Mortgage rate (loans to households for house purchase, new business) — EEEE5.24%2024-09-01
Mortgage rate (loans to households for house purchase, new business) — ESES3.31%2024-09-01
Mortgage rate (loans to households for house purchase, new business) — FIFI3.68%2024-09-01
Mortgage rate (loans to households for house purchase, new business) — FRFR3.33%2024-09-01
Mortgage rate (loans to households for house purchase, new business) — GRGR3.90%2024-09-01
Mortgage rate (loans to households for house purchase, new business) — HRHR3.71%2024-09-01
Mortgage rate (loans to households for house purchase, new business) — IEIE3.93%2024-09-01
Mortgage rate (loans to households for house purchase, new business) — ITIT3.64%2024-09-01
Mortgage rate (loans to households for house purchase, new business) — LTLT5.02%2024-09-01
Mortgage rate (loans to households for house purchase, new business) — LULU3.90%2024-09-01
Mortgage rate (loans to households for house purchase, new business) — LVLV5.17%2024-09-01
Mortgage rate (loans to households for house purchase, new business) — MTMT2.01%2024-09-01
Mortgage rate (loans to households for house purchase, new business) — NLNL3.89%2024-09-01
Mortgage rate (loans to households for house purchase, new business) — PTPT3.73%2024-09-01
Mortgage rate (loans to households for house purchase, new business) — SISI3.46%2024-09-01
Mortgage rate (loans to households for house purchase, new business) — SKSK4.14%2024-09-01
Mortgage rate (loans to households for house purchase, new business) — U2U23.64%2024-09-01
Nebraska — 25th percentile (cheaper quarter), conventional home purchaseUS6.44%2024-01-01
Nebraska — 75th percentile (dearer quarter), conventional home purchaseUS7.06%2024-01-01
Nebraska — Median rate paid, conventional home purchaseUS6.69%2024-01-01
Nevada — 25th percentile (cheaper quarter), conventional home purchaseUS6.06%2024-01-01
Nevada — 75th percentile (dearer quarter), conventional home purchaseUS7.06%2024-01-01
Nevada — Median rate paid, conventional home purchaseUS6.69%2024-01-01
New Hampshire — 25th percentile (cheaper quarter), conventional home purchaseUS6.56%2024-01-01
New Hampshire — 75th percentile (dearer quarter), conventional home purchaseUS7.19%2024-01-01
New Hampshire — Median rate paid, conventional home purchaseUS6.94%2024-01-01
New Jersey — 25th percentile (cheaper quarter), conventional home purchaseUS6.44%2024-01-01
New Jersey — 75th percentile (dearer quarter), conventional home purchaseUS7.06%2024-01-01
New Jersey — Median rate paid, conventional home purchaseUS6.69%2024-01-01
New Mexico — 25th percentile (cheaper quarter), conventional home purchaseUS6.44%2024-01-01
New Mexico — 75th percentile (dearer quarter), conventional home purchaseUS7.44%2024-01-01
New Mexico — Median rate paid, conventional home purchaseUS6.94%2024-01-01
New York — 25th percentile (cheaper quarter), conventional home purchaseUS6.31%2024-01-01
New York — 75th percentile (dearer quarter), conventional home purchaseUS6.94%2024-01-01
New York — Median rate paid, conventional home purchaseUS6.69%2024-01-01
North Carolina — 25th percentile (cheaper quarter), conventional home purchaseUS6.31%2024-01-01
North Carolina — 75th percentile (dearer quarter), conventional home purchaseUS7.06%2024-01-01
North Carolina — Median rate paid, conventional home purchaseUS6.69%2024-01-01
North Dakota — 25th percentile (cheaper quarter), conventional home purchaseUS5.94%2024-01-01
North Dakota — 75th percentile (dearer quarter), conventional home purchaseUS6.94%2024-01-01
North Dakota — Median rate paid, conventional home purchaseUS6.56%2024-01-01
OBMMI — 15-Year Fixed Rate ConformingUS5.36%2024-09-30
OBMMI — 30-Year Fixed Rate Conforming Mortgage IndexUS6.14%2024-09-30
OBMMI — 30-Year Fixed Rate Conforming, Non-AdjustedUS5.99%2024-09-30
OBMMI — FHA 30-Year FixedUS5.88%2024-09-30
OBMMI — Jumbo 30-Year FixedUS6.42%2024-09-30
OBMMI — LTV >80, FICO <680US6.47%2024-09-30
OBMMI — LTV >80, FICO ≥740US6.12%2024-09-30
OBMMI — LTV >80, FICO 680–699US6.39%2024-09-30
OBMMI — LTV >80, FICO 700–719US6.26%2024-09-30
OBMMI — LTV >80, FICO 720–739US6.20%2024-09-30
OBMMI — LTV ≤80, FICO <680US6.43%2024-09-30
OBMMI — LTV ≤80, FICO ≥740US6.04%2024-09-30
OBMMI — LTV ≤80, FICO 680–699US6.28%2024-09-30
OBMMI — LTV ≤80, FICO 700–719US6.18%2024-09-30
OBMMI — LTV ≤80, FICO 720–739US6.15%2024-09-30
OBMMI — USDA 30-Year FixedUS5.98%2024-09-30
OBMMI — VA 30-Year FixedUS5.63%2024-09-30
Ohio — 25th percentile (cheaper quarter), conventional home purchaseUS6.44%2024-01-01
Ohio — 75th percentile (dearer quarter), conventional home purchaseUS7.19%2024-01-01
Ohio — Median rate paid, conventional home purchaseUS6.81%2024-01-01
Oklahoma — 25th percentile (cheaper quarter), conventional home purchaseUS6.44%2024-01-01
Oklahoma — 75th percentile (dearer quarter), conventional home purchaseUS7.31%2024-01-01
Oklahoma — Median rate paid, conventional home purchaseUS6.94%2024-01-01
Oregon — 25th percentile (cheaper quarter), conventional home purchaseUS6.44%2024-01-01
Oregon — 75th percentile (dearer quarter), conventional home purchaseUS7.19%2024-01-01
Oregon — Median rate paid, conventional home purchaseUS6.69%2024-01-01
Pennsylvania — 25th percentile (cheaper quarter), conventional home purchaseUS6.44%2024-01-01
Pennsylvania — 75th percentile (dearer quarter), conventional home purchaseUS7.06%2024-01-01
Pennsylvania — Median rate paid, conventional home purchaseUS6.69%2024-01-01
Posted rate (major chartered banks) — Conventional mortgage: 1-yearCA7.24%2024-09-25
Posted rate (major chartered banks) — Conventional mortgage: 3-yearCA6.54%2024-09-25
Posted rate (major chartered banks) — Conventional mortgage: 5-yearCA6.49%2024-09-25
Posted rate (major chartered banks) — Daily interest savings (balances over $100,000)CA0.01%2024-09-25
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-yearCA3.65%2024-09-25
Posted rate (major chartered banks) — Guaranteed investment certificates: 3-yearCA3.30%2024-09-25
Posted rate (major chartered banks) — Guaranteed investment certificates: 5-yearCA3.30%2024-09-25
Posted rate (major chartered banks) — Non-chequable savings depositsCA0.01%2024-09-25
Posted rate (major chartered banks) — Personal deposits: 5-year fixed termCA2.80%2024-09-25
Posted rate (major chartered banks) — Prime rateCA6.45%2024-09-25
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, <1 yearCA8.84%2024-09-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 1 to <3 yearsCA5.91%2024-09-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 3 to <5 yearsCA4.60%2024-09-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 5 years and overCA4.52%2024-09-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Variable rateCA5.87%2024-09-01
Rate actually charged on new mortgage lending — Residential mortgages, insured, TotalCA5.22%2024-09-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, <1 yearCA8.11%2024-09-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 1 to <3 yearsCA5.45%2024-09-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 3 to <5 yearsCA4.71%2024-09-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 5 years and overCA4.93%2024-09-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Variable rateCA5.93%2024-09-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured, TotalCA5.27%2024-09-01
Rhode Island — 25th percentile (cheaper quarter), conventional home purchaseUS6.44%2024-01-01
Rhode Island — 75th percentile (dearer quarter), conventional home purchaseUS7.06%2024-01-01
Rhode Island — Median rate paid, conventional home purchaseUS6.81%2024-01-01
South Carolina — 25th percentile (cheaper quarter), conventional home purchaseUS6.31%2024-01-01
South Carolina — 75th percentile (dearer quarter), conventional home purchaseUS7.19%2024-01-01
South Carolina — Median rate paid, conventional home purchaseUS6.69%2024-01-01
South Dakota — 25th percentile (cheaper quarter), conventional home purchaseUS6.19%2024-01-01
South Dakota — 75th percentile (dearer quarter), conventional home purchaseUS6.94%2024-01-01
South Dakota — Median rate paid, conventional home purchaseUS6.69%2024-01-01
Tennessee — 25th percentile (cheaper quarter), conventional home purchaseUS6.44%2024-01-01
Tennessee — 75th percentile (dearer quarter), conventional home purchaseUS7.19%2024-01-01
Tennessee — Median rate paid, conventional home purchaseUS6.69%2024-01-01
Texas — 25th percentile (cheaper quarter), conventional home purchaseUS6.19%2024-01-01
Texas — 75th percentile (dearer quarter), conventional home purchaseUS7.19%2024-01-01
Texas — Median rate paid, conventional home purchaseUS6.69%2024-01-01
UK 2-year fixed mortgage rate (75% LTV)GB4.58%2024-09-30
UK 5-year fixed mortgage rate (75% LTV)GB4.43%2024-09-30
Utah — 25th percentile (cheaper quarter), conventional home purchaseUS6.19%2024-01-01
Utah — 75th percentile (dearer quarter), conventional home purchaseUS6.94%2024-01-01
Utah — Median rate paid, conventional home purchaseUS6.69%2024-01-01
Vermont — 25th percentile (cheaper quarter), conventional home purchaseUS6.31%2024-01-01
Vermont — 75th percentile (dearer quarter), conventional home purchaseUS7.06%2024-01-01
Vermont — Median rate paid, conventional home purchaseUS6.69%2024-01-01
Virginia — 25th percentile (cheaper quarter), conventional home purchaseUS6.44%2024-01-01
Virginia — 75th percentile (dearer quarter), conventional home purchaseUS7.06%2024-01-01
Virginia — Median rate paid, conventional home purchaseUS6.69%2024-01-01
Washington — 25th percentile (cheaper quarter), conventional home purchaseUS6.31%2024-01-01
Washington — 75th percentile (dearer quarter), conventional home purchaseUS7.06%2024-01-01
Washington — Median rate paid, conventional home purchaseUS6.69%2024-01-01
West Virginia — 25th percentile (cheaper quarter), conventional home purchaseUS6.31%2024-01-01
West Virginia — 75th percentile (dearer quarter), conventional home purchaseUS7.31%2024-01-01
West Virginia — Median rate paid, conventional home purchaseUS6.81%2024-01-01
Wisconsin — 25th percentile (cheaper quarter), conventional home purchaseUS6.44%2024-01-01
Wisconsin — 75th percentile (dearer quarter), conventional home purchaseUS7.06%2024-01-01
Wisconsin — Median rate paid, conventional home purchaseUS6.69%2024-01-01
Wyoming — 25th percentile (cheaper quarter), conventional home purchaseUS6.44%2024-01-01
Wyoming — 75th percentile (dearer quarter), conventional home purchaseUS7.19%2024-01-01
Wyoming — Median rate paid, conventional home purchaseUS6.69%2024-01-01

Central bank policy rates

SeriesCountryRateAs of
Bank of Canada target for the overnight rateCA4.25%2024-09-30
Bank of England Bank RateGB5.00%2024-09-30
ECB deposit facility rateU23.50%2024-09-30

About this snapshot

271 series had published data by 2024-09-30. 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.