The Rate Engine

Interest rates in January 2025

Every rate we track, as it stood on 2025-01-31. 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.

2024-12 · 2025-02

auto

card

consumer-credit

SeriesCountryRateAs of
US personal loan rate, 24-month (commercial banks)US12.32%2024-11-01

Deposit & savings rates

SeriesCountryRateAs of
FDIC national average interest checking rateUS0.07%2025-01-01
FDIC national average savings rateUS0.41%2025-01-01
Household deposit rate (agreed maturity, new business) — ATAT2.23%2025-01-01
Household deposit rate (agreed maturity, new business) — BEBE2.41%2025-01-01
Household deposit rate (agreed maturity, new business) — BGBG1.48%2025-01-01
Household deposit rate (agreed maturity, new business) — CYCY1.33%2025-01-01
Household deposit rate (agreed maturity, new business) — DEDE2.35%2025-01-01
Household deposit rate (agreed maturity, new business) — EEEE2.88%2025-01-01
Household deposit rate (agreed maturity, new business) — ESES2.05%2025-01-01
Household deposit rate (agreed maturity, new business) — FIFI2.65%2025-01-01
Household deposit rate (agreed maturity, new business) — FRFR2.59%2025-01-01
Household deposit rate (agreed maturity, new business) — GRGR1.63%2025-01-01
Household deposit rate (agreed maturity, new business) — HRHR1.71%2025-01-01
Household deposit rate (agreed maturity, new business) — IEIE2.28%2025-01-01
Household deposit rate (agreed maturity, new business) — ITIT2.78%2025-01-01
Household deposit rate (agreed maturity, new business) — LTLT2.46%2025-01-01
Household deposit rate (agreed maturity, new business) — LULU2.38%2025-01-01
Household deposit rate (agreed maturity, new business) — LVLV2.42%2025-01-01
Household deposit rate (agreed maturity, new business) — MTMT2.65%2025-01-01
Household deposit rate (agreed maturity, new business) — NLNL2.48%2025-01-01
Household deposit rate (agreed maturity, new business) — PTPT1.98%2025-01-01
Household deposit rate (agreed maturity, new business) — SISI1.63%2025-01-01
Household deposit rate (agreed maturity, new business) — SKSK2.69%2025-01-01
Household deposit rate (agreed maturity, new business) — U2U22.33%2025-01-01
UK 2-year fixed rate savings bondGB4.04%2025-01-31
UK instant access savings rateGB2.62%2025-01-31

Government bond yields

Mortgage rates

SeriesCountryRateAs of
15-year fixed rate mortgage average (PMMS)US6.12%2025-01-30
30-year fixed rate mortgage average (PMMS)US6.95%2025-01-30
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) — ATAT3.53%2025-01-01
Mortgage rate (loans to households for house purchase, new business) — BEBE3.05%2025-01-01
Mortgage rate (loans to households for house purchase, new business) — CYCY4.08%2025-01-01
Mortgage rate (loans to households for house purchase, new business) — DEDE3.54%2025-01-01
Mortgage rate (loans to households for house purchase, new business) — EEEE4.54%2025-01-01
Mortgage rate (loans to households for house purchase, new business) — ESES2.90%2025-01-01
Mortgage rate (loans to households for house purchase, new business) — FIFI3.23%2025-01-01
Mortgage rate (loans to households for house purchase, new business) — FRFR3.11%2025-01-01
Mortgage rate (loans to households for house purchase, new business) — GRGR3.79%2025-01-01
Mortgage rate (loans to households for house purchase, new business) — HRHR3.59%2025-01-01
Mortgage rate (loans to households for house purchase, new business) — IEIE3.69%2025-01-01
Mortgage rate (loans to households for house purchase, new business) — ITIT3.15%2025-01-01
Mortgage rate (loans to households for house purchase, new business) — LTLT4.38%2025-01-01
Mortgage rate (loans to households for house purchase, new business) — LULU3.57%2025-01-01
Mortgage rate (loans to households for house purchase, new business) — LVLV4.67%2025-01-01
Mortgage rate (loans to households for house purchase, new business) — MTMT1.92%2025-01-01
Mortgage rate (loans to households for house purchase, new business) — NLNL2.98%2025-01-01
Mortgage rate (loans to households for house purchase, new business) — PTPT3.30%2025-01-01
Mortgage rate (loans to households for house purchase, new business) — SISI3.13%2025-01-01
Mortgage rate (loans to households for house purchase, new business) — SKSK3.87%2025-01-01
Mortgage rate (loans to households for house purchase, new business) — U2U23.25%2025-01-01
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 ConformingUS6.13%2025-01-31
OBMMI — 30-Year Fixed Rate Conforming Mortgage IndexUS6.84%2025-01-31
OBMMI — 30-Year Fixed Rate Conforming, Non-AdjustedUS6.67%2025-01-31
OBMMI — FHA 30-Year FixedUS6.50%2025-01-31
OBMMI — Jumbo 30-Year FixedUS6.98%2025-01-31
OBMMI — LTV >80, FICO <680US7.13%2025-01-31
OBMMI — LTV >80, FICO ≥740US6.88%2025-01-31
OBMMI — LTV >80, FICO 680–699US6.75%2025-01-31
OBMMI — LTV >80, FICO 700–719US7.01%2025-01-31
OBMMI — LTV >80, FICO 720–739US6.97%2025-01-31
OBMMI — LTV ≤80, FICO <680US6.88%2025-01-31
OBMMI — LTV ≤80, FICO ≥740US6.75%2025-01-31
OBMMI — LTV ≤80, FICO 680–699US6.87%2025-01-31
OBMMI — LTV ≤80, FICO 700–719US6.98%2025-01-31
OBMMI — LTV ≤80, FICO 720–739US6.73%2025-01-31
OBMMI — USDA 30-Year FixedUS6.52%2025-01-31
OBMMI — VA 30-Year FixedUS6.37%2025-01-31
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%2025-01-29
Posted rate (major chartered banks) — Conventional mortgage: 3-yearCA6.54%2025-01-29
Posted rate (major chartered banks) — Conventional mortgage: 5-yearCA6.49%2025-01-29
Posted rate (major chartered banks) — Daily interest savings (balances over $100,000)CA0.01%2025-01-29
Posted rate (major chartered banks) — Guaranteed investment certificates: 1-yearCA3.00%2025-01-29
Posted rate (major chartered banks) — Guaranteed investment certificates: 3-yearCA2.97%2025-01-29
Posted rate (major chartered banks) — Guaranteed investment certificates: 5-yearCA3.20%2025-01-29
Posted rate (major chartered banks) — Non-chequable savings depositsCA0.01%2025-01-29
Posted rate (major chartered banks) — Personal deposits: 5-year fixed termCA2.65%2025-01-29
Posted rate (major chartered banks) — Prime rateCA5.45%2025-01-29
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, <1 yearCA8.86%2025-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 1 to <3 yearsCA5.87%2025-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 3 to <5 yearsCA4.29%2025-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Fixed rate, 5 years and overCA4.29%2025-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured Variable rateCA4.60%2025-01-01
Rate actually charged on new mortgage lending — Residential mortgages, insured, TotalCA4.81%2025-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, <1 yearCA8.20%2025-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 1 to <3 yearsCA5.70%2025-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 3 to <5 yearsCA4.43%2025-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Fixed rate, 5 years and overCA4.59%2025-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured Variable rateCA4.64%2025-01-01
Rate actually charged on new mortgage lending — Residential mortgages, uninsured, TotalCA4.88%2025-01-01
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)GB4.63%2025-01-31
UK 5-year fixed mortgage rate (75% LTV)GB4.50%2025-01-31
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 rateCA3.00%2025-01-31
Bank of England Bank RateGB4.75%2025-01-31
ECB deposit facility rateU23.00%2025-01-31

About this snapshot

271 series had published data by 2025-01-31. 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.