In 2024, the three-month interest rate in Japan reached **** percent. The three-month interest rate is the rate at which a prime bank is willing to lend funds to another prime bank for three months. It is a reference for short-term interest rates in the money market.

The benchmark interest rate in Chile was last recorded at 5 percent. This dataset provides - Chile Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

The statistic presents the fluctuation of three month interest rates in Switzerland from 1995 to 2019. The rate at which a prime bank was willing to lend funds in euro to another prime bank amounted to -0.74 percent in Switzerland in 2019.

The benchmark interest rate in Czech Republic was last recorded at 3.50 percent. This dataset provides the latest reported value for - Czech Republic Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Official interest, rates short - term deposits unsecured and call money

1957 - 2001, January 1957- December 2003 Changed on January 13 2004. Frequency: Discontinued.

Graph and download economic data for Interest Rates: Immediate Rates (< 24 Hours): Call Money/Interbank Rate: Total for Russia (IRSTCI01RUM156N) from Jan 1995 to Oct 2024 about Russia, interbank, overnight, interest rate, interest, and rate.

The dataset shows structure of interest rates

Note: 1. For the year 1995-96, interest rate on deposits of maturity above 3 years, and from 1996-97 onwards, interest rates on deposit for all the maturities refer to the deposit rates of 5 major public sector banks as at end-March. 2. From 1994-95 onwards, data on minimum general key lending rates prescribed by RBI refers to the prime lending rates of 5 major public sector banks. 3. For 2011-12, data on deposit rates and Base rates of 5 major public sector banks refer to the period up to July 31, 2010. From July 1, 2010 BPLR System is replaced by Base Rate System. Accordingly the data reflects the Base Rate of five major public sector banks. Data for 2010-11 for Call/Notice Money rates are average of April-July 2010. 4. Data for dividend rate and yield rate for units of UTI are based on data received from Unit Trust of India. 5. Data on annual(gross) redemption yield of Government of India securities are based on redemption yield which is computed from 2000-01 as the mean of the daily weighted average yield of the transactions in each traded security. The weight is calculated as the share of the transaction in a given security in the aggregated value. 6. Data on prime lending rates for IDBI, IFCI and ICICI for the year 1999-00 relates to long-term prime lending rates in January 2000. 7. Data on prime lending rates for State Financial Corporation for all the years and for other term lending institutions from 2002-03 onwards relate to long-term (over 36-month) PLR. 8. Data on prime lending rate of IIBI/ IRBI from 2003-04 onwards relate to single PLR effective July 31, 2003. 9. IDBI ceased to be term lending institution on its conversion into a banking entity effective October 11, 2004. 10. ICICI ceased to be a term-lending institution after its merger with ICICI Bank. 11. Figures in brackets indicate lending rate charged to small-scale industries. 12. IFCI has become a non-bank financial company. 13. IIBI is in the process of voluntary winding up.

The benchmark interest rate in Morocco was last recorded at 2.25 percent. This dataset provides the latest reported value for - Morocco Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Armenia AM: Real Interest Rate data was reported at 9.459 % pa in 2023. This records an increase from the previous number of 3.457 % pa for 2022. Armenia AM: Real Interest Rate data is updated yearly, averaging 12.695 % pa from Dec 1995 (Median) to 2023, with 29 observations. The data reached an all-time high of 39.105 % pa in 1996 and a record low of -24.913 % pa in 1995. Armenia AM: Real Interest Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Armenia – Table AM.World Bank.WDI: Interest Rates. Real interest rate is the lending interest rate adjusted for inflation as measured by the GDP deflator. The terms and conditions attached to lending rates differ by country, however, limiting their comparability.;International Monetary Fund, International Financial Statistics and data files using World Bank data on the GDP deflator.;;

Graph and download economic data for Interest Rates, Government Securities, Treasury Bills for Brazil (INTGSTBRM193N) from Jan 1995 to May 2025 about Brazil, bills, securities, Treasury, government, interest rate, interest, and rate.

Graph and download economic data for Interest Rates, Discount Rate for Japan (INTDSRJPM193N) from Jan 1953 to Apr 2017 about Japan, interest rate, interest, and rate.

Deposit Interest Rate in Russia increased to 19.39 percent in May from 19.32 percent in April of 2025. This dataset includes a chart with historical data for Deposit Interest Rate in Russia.

Key information about Indonesia Short Term Interest Rate

• Indonesia Short Term Interest Rate: Month End: Indonesia: 3 Months Interbank was reported at 6.76 % pa in May 2023, compared with 6.76 % pa in the previous month.
• Indonesia Short Term Interest Rate data is updated monthly, available from Dec 1995 to May 2023.
• The data reached an all-time high of 57.58 % pa in Aug 1998 and a record low of 3.75 % pa in Apr 2022.
• Short Term Interest Rate is reported by reported by CEIC Data.

• In the latest reports, Indonesia Long Term Interest Rate: Month End: Indonesia: Government Bond Yield: 10 Years was reported at 6.47 % pa in May 2023.
• The cash rate (Policy Rate: Month End: Indonesia: 7 Days Reverse Repo Rate) was set at 5.75 % pa in May 2023.
• Indonesia Exchange Rate against USD averaged 14,810.86 (USD/IDR) in May 2023.

Key information about Taiwan Long Term Interest Rate

• Taiwan Government Bonds: Secondary Market: 10 Year was reported at 1.67 % pa in Jan 2025, compared with 1.60 % pa in the previous month.
• Taiwan Long Term Interest Rate data is updated monthly, available from Jan 1995 to Jan 2025.
• The data reached an all-time high of 7.63 % pa in Mar 1995 and a record low of 0.26 % pa in Nov 2020.
• Long Term Interest Rate is reported by reported by Central Bank of the Republic of China.

• In the latest reports, Taiwan TAIBOR: Fixing Rate: Month End: 3 Months was reported at 1.68 % pa in Nov 2024.
• The cash rate (Policy Rate: Month End: Discount Rate) was set at 2.00 % pa in Jan 2025.
• Taiwan Exchange Rate against USD averaged 30.84 (USD/NTD) in Jun 2023.

The interest rate for credit cards in the UK grew to an all-time high in May 2025, even though the base rate for the Bank of England grew at a slower pace that month. Credit card interest rates tend to be significantly higher than other forms of lending, and the United Kingdom is no exception to this. By May 2025, the average interest rate had increased to ***** percent. The Bank of England base rate stood at **** percent since April 2025 – which was not yet the highest value observed. Nevertheless, the central bank's interest rate grew slower than that of credit cards.

The U.S. federal funds rate peaked in 2023 at its highest level since the 2007-08 financial crisis, reaching 5.33 percent by December 2023. A significant shift in monetary policy occurred in the second half of 2024, with the Federal Reserve implementing regular rate cuts. By December 2024, the rate had declined to 4.48 percent. What is a central bank rate? The federal funds rate determines the cost of overnight borrowing between banks, allowing them to maintain necessary cash reserves and ensure financial system liquidity. When this rate rises, banks become more inclined to hold rather than lend money, reducing the money supply. While this decreased lending slows economic activity, it helps control inflation by limiting the circulation of money in the economy. Historic perspective The federal funds rate historically follows cyclical patterns, falling during recessions and gradually rising during economic recoveries. Some central banks, notably the European Central Bank, went beyond traditional monetary policy by implementing both aggressive asset purchases and negative interest rates.

Micronesia: Bank lending-deposit interest rate spread : The latest value from 2020 is 14.4 interest rate points, an increase from 14.39 interest rate points in 2019. In comparison, the world average is 6.59 interest rate points, based on data from 93 countries. Historically, the average for Micronesia from 1995 to 2020 is 13.35 interest rate points. The minimum value, 9.67 interest rate points, was reached in 1995 while the maximum of 15.63 interest rate points was recorded in 2017.

Net interest margin is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders relative to the amount of their (interest-earning) assets. It is similar to the gross margin of non-financial companies. In 2019, the average net interest margin of the U.S. banks amounted to 3.35 percent.

Why do banks charge and pay interest?

When a bank accepts a deposit, it pays an interest rate to the depositor as payment for that deposit. This is because the bank will then use that money to issue loans. The loans also have an interest rate, for two reasons. First, the bank wants to generate profit. Second, the bank knows that loans have risk of default. If a borrower does not repay the bank, the loan is considered non-performing. This is costly for the bank, since some or all of the loan value is lost.

Interest rate drivers

In addition to changes in the federal funds rate, expectations of inflation affect interest rates, particularly of longer loan maturities such as mortgages. Similarly, having a lower credit score signals that a borrower carries a higher default risk. Banks charge these borrowers higher interest rates to account for that risk.

Key information about Brazil Long Term Interest Rate

• Brazil Long Term Interest Rate (TJLP): Per Annum was reported at 7.97 % pa in Feb 2025, compared with 7.97 % pa in the previous month.
• Brazil Long Term Interest Rate data is updated monthly, available from Dec 1994 to Feb 2025.
• The data reached an all-time high of 26.01 % pa in Feb 1995 and a record low of 4.39 % pa in Mar 2021.
• Long Term Interest Rate is reported by reported by Central Bank of Brazil.
• The cash rate (Policy Rate: Month End: SELIC) was set at 13.25 % pa in Feb 2025.
• Brazil Exchange Rate against USD averaged 4.85 (USD/BRL) in Jun 2023.

Ten-year government bonds in the Netherlands had a yield of *** percent in 2023, compared to **** percent in 2022. A ten-year government bond, or treasury note, is a debt obligation issued by a government which matures in ten years. They are considered to be a low-risk investment as they are backed by the government and their ability to raise taxes to cover its obligations. Investors track them, however, for several reasons. First, these bonds are the benchmark that guides other financial interest rates, such as fixed mortgage rates. Second, their yield will tell how investors feel about the economy. The higher the yield on a ten-year government bond, the better the economic outlook.