{"format":"alysly-page/1","url":"https://alysly.com/interest-rates/","json":"https://alysly.com/json/interest-rates/index.json","lang":"en-US","title":"Rates & Inflation – Current Levels, History and Calculators","description":"ECB policy rate, inflation, mortgage and savings rates and bond yields – official series with full history, updated daily.","modified":"2026-10-31T00:00:00Z","alternates":[{"lang":"de-DE","url":"https://alysly.com/de/zinsen/","json":"https://alysly.com/json/de/zinsen/index.json"}],"about":"Machine-readable version of the page at url. It contains the text, tables and key figures published there, but not the interactive charts and tools.","breadcrumb":[{"name":"Rates & Inflation","url":"https://alysly.com/interest-rates/"}],"content":[{"type":"heading","level":1,"text":"Interest Rates, Inflation and the Economy Over Time"},{"type":"paragraph","text":"Interest rates and inflation decide what is left of a return in real terms. This section carries the official series from the ECB, Eurostat and the St. Louis Fed’s FRED database — refreshed daily, with full history and linked directly to the calculators that use them."},{"type":"heading","level":2,"text":"Topics"},{"type":"list","ordered":false,"items":[{"text":"ECB Policy Rate Current ECB main refinancing rate, deposit facility rate and €STR with full history since 1999 — plus what …","href":"https://alysly.com/interest-rates/ecb-policy-rate/"},{"text":"German Mortgage Rates Effective interest rate on new German housing loans (ECB MIR statistics) with history, compared to the 10-year …","href":"https://alysly.com/interest-rates/mortgage-rates/"},{"text":"German Savings Rates Average interest on overnight household deposits in Germany versus the ECB deposit rate — the gap shows what …","href":"https://alysly.com/interest-rates/savings-rates/"},{"text":"Government Bond Yields 10-year German and US government bond yields over time — the reference for mortgage rates, equity valuation …","href":"https://alysly.com/interest-rates/bond-yields/"},{"text":"Inflation in Germany and the Euro Area Current inflation rate for Germany and the euro area (HICP, year on year) with long history — and what it …","href":"https://alysly.com/interest-rates/inflation/"},{"text":"Labor Market: Germany and the US Seasonally adjusted unemployment rates for Germany (Eurostat) and the US (FRED) side by side, with full …","href":"https://alysly.com/interest-rates/labor-market/"},{"text":"US Rates and Economy Date of the next Fed meeting, plus the fed funds rate, 10-year Treasury yield, US inflation, mortgage rates …","href":"https://alysly.com/interest-rates/us-rates/"}]},{"type":"heading","level":2,"text":"Rates, Inflation and the Economy"},{"type":"table","caption":"Macro series","columns":["Series","Latest","Change","As of"],"rows":[[{"text":"Germany unemployment rate","href":"https://alysly.com/interest-rates/labor-market/"},"4.10%","+0.00 pp","Sep 1, 2026"],[{"text":"US unemployment rate","href":"https://alysly.com/interest-rates/labor-market/"},"4.20%","+0.10 pp","Sep 1, 2026"],[{"text":"Germany mortgage rates (new housing loans)","href":"https://alysly.com/interest-rates/mortgage-rates/"},"4.00%","+0.07 pp","Aug 1, 2026"],[{"text":"German 10-year government bond yield","href":"https://alysly.com/interest-rates/bond-yields/"},"3.47%","+0.29 pp","Sep 1, 2026"],[{"text":"€STR (euro short-term rate)","href":"https://alysly.com/interest-rates/ecb-policy-rate/"},"2.44%","+0.00 pp","Oct 29, 2026"],[{"text":"EUR/USD (ECB reference rate)","href":"https://alysly.com/markets/forex/eur-usd/"},"1.1172 USD","+0.0040 USD","Oct 30, 2026"],[{"text":"ECB deposit facility rate","href":"https://alysly.com/interest-rates/ecb-policy-rate/"},"2.50%","+0.00 pp","Oct 31, 2026"],[{"text":"ECB main refinancing rate","href":"https://alysly.com/interest-rates/ecb-policy-rate/"},"2.65%","+0.00 pp","Oct 31, 2026"],[{"text":"US federal funds rate (effective)","href":"https://alysly.com/interest-rates/us-rates/"},"3.88%","+0.00 pp","Oct 29, 2026"],[{"text":"Germany inflation rate (HICP, year on year)","href":"https://alysly.com/interest-rates/inflation/"},"3.30%","+0.40 pp","Sep 1, 2026"],[{"text":"Euro area inflation rate (HICP, year on year)","href":"https://alysly.com/interest-rates/inflation/"},"3.80%","+0.60 pp","Sep 1, 2026"],[{"text":"Germany savings rates (overnight deposits)","href":"https://alysly.com/interest-rates/savings-rates/"},"0.51%","+0.01 pp","Aug 1, 2026"],[{"text":"US 10-year Treasury yield","href":"https://alysly.com/interest-rates/bond-yields/"},"4.98%","-0.07 pp","Oct 29, 2026"],[{"text":"US 30-year fixed mortgage rate","href":"https://alysly.com/interest-rates/us-rates/"},"7.24%","-0.08 pp","Oct 29, 2026"],[{"text":"US inflation rate (CPI, year on year)","href":"https://alysly.com/interest-rates/us-rates/"},"3.74%","+0.34 pp","Sep 1, 2026"]]},{"type":"paragraph","text":"Data note 1","href":"#dn-1"},{"type":"paragraph","text":"Updated Oct 31, 2026"},{"type":"heading","level":2,"id":"note-legend-h","text":"Data Notes"},{"type":"paragraph","text":"How the figures on this page are produced and how current they are. All calculations run automatically and are not investment advice."},{"type":"list","ordered":true,"items":[{"id":"dn-1","text":"Official time series, taken unchanged; the change column is the gap to the previous value."}]},{"type":"paragraph","text":"Data and methodology: Alysly · Responsible for content: Alexander Bock","links":[{"text":"Alysly","href":"https://alysly.com/methodology/"},{"text":"Alexander Bock","href":"https://alysly.com/about/"}]},{"type":"paragraph","text":"View all data notes","href":"https://alysly.com/notes/"}],"structured_data":[{"@context":"https://schema.org","@graph":[{"@type":"Organization","@id":"https://alysly.com/#org","name":"Alysly","url":"https://alysly.com/","logo":{"@type":"ImageObject","url":"https://alysly.com/img/icon-512.png","width":512,"height":512},"description":"Data-driven insights, transparent analysis and powerful tools for long-term investors.","email":"mail@alysly.com","contactPoint":{"@type":"ContactPoint","contactType":"customer support","email":"mail@alysly.com","availableLanguage":["de","en"]},"address":{"@type":"PostalAddress","addressLocality":"Haltern am See","postalCode":"45721","addressCountry":"DE"},"founder":{"@id":"https://alysly.com/#founder"},"sameAs":["https://www.linkedin.com/company/alyslycom/","https://www.youtube.com/@alyslycom","https://x.com/alyslycom"],"publishingPrinciples":"https://alysly.com/methodology/"},{"@type":"Person","@id":"https://alysly.com/#founder","name":"Alexander Bock","jobTitle":"Founder and data analyst","url":"https://alysly.com/about/","sameAs":["https://www.linkedin.com/in/abxk/"]},{"@type":"WebSite","@id":"https://alysly.com/#site","url":"https://alysly.com/","name":"Alysly","alternateName":"Alysly Investment Analysis","inLanguage":"en-US","publisher":{"@id":"https://alysly.com/#org"},"potentialAction":{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https://alysly.com/markets/stocks/browse/?q={search_term_string}"},"query-input":"required name=search_term_string"}},{"@type":"WebPage","@id":"https://alysly.com/interest-rates/#webpage","url":"https://alysly.com/interest-rates/","name":"Rates & Inflation – Alysly","description":"ECB policy rate, inflation, mortgage and savings rates and bond yields – official series with full history, updated daily.","inLanguage":"en-US","isPartOf":{"@id":"https://alysly.com/#site"},"dateModified":"2026-10-31T00:00:00Z","publisher":{"@id":"https://alysly.com/#org"},"mainEntity":{"@id":"https://alysly.com/interest-rates/#entity"},"primaryImageOfPage":{"@type":"ImageObject","url":"https://alysly.com/og.png","width":1200,"height":630}}]},{"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Rates & Inflation"}]},{"@context":"https://schema.org","@type":"DataCatalog","@id":"https://alysly.com/interest-rates/#entity","name":"Rates & Inflation","description":"ECB policy rate, inflation, mortgage and savings rates and bond yields – official series with full history, updated daily.","url":"https://alysly.com/interest-rates/","inLanguage":"en-US","publisher":{"@id":"https://alysly.com/#org"},"isAccessibleForFree":true,"dataset":[{"@type":"Dataset","name":"Germany unemployment rate","license":"© Eurostat, freie Weiterverwendung mit Quellenangabe","creator":{"@type":"Organization","name":"Eurostat"},"temporalCoverage":"1999-01-01/2026-09-01","dateModified":"2026-09-01"},{"@type":"Dataset","name":"US unemployment rate","license":"Federal Reserve Bank of St. Louis (FRED), freie Weiterverwendung mit Quellenangabe","creator":{"@type":"Organization","name":"FRED (St. Louis Fed)"},"temporalCoverage":"1999-01-01/2026-09-01","dateModified":"2026-09-01"},{"@type":"Dataset","name":"Germany mortgage rates (new housing loans)","license":"© Europäische Zentralbank, freie Weiterverwendung mit Quellenangabe","creator":{"@type":"Organization","name":"ECB"},"temporalCoverage":"2003-01-01/2026-08-01","dateModified":"2026-08-01"},{"@type":"Dataset","name":"German 10-year government bond yield","license":"© Europäische Zentralbank, freie Weiterverwendung mit Quellenangabe","creator":{"@type":"Organization","name":"ECB"},"temporalCoverage":"1999-01-01/2026-09-01","dateModified":"2026-09-01"},{"@type":"Dataset","name":"€STR (euro short-term rate)","license":"© Europäische Zentralbank, freie Weiterverwendung mit Quellenangabe","creator":{"@type":"Organization","name":"ECB"},"temporalCoverage":"2019-10-01/2026-10-29","dateModified":"2026-10-29"},{"@type":"Dataset","name":"EUR/USD (ECB reference rate)","license":"© Europäische Zentralbank, freie Weiterverwendung mit Quellenangabe","creator":{"@type":"Organization","name":"ECB"},"temporalCoverage":"1999-01-04/2026-10-30","dateModified":"2026-10-30"},{"@type":"Dataset","name":"ECB deposit facility rate","license":"© Europäische Zentralbank, freie Weiterverwendung mit Quellenangabe","creator":{"@type":"Organization","name":"ECB"},"temporalCoverage":"1999-01-01/2026-10-31","dateModified":"2026-10-31"},{"@type":"Dataset","name":"ECB main refinancing rate","license":"© Europäische Zentralbank, freie Weiterverwendung mit Quellenangabe","creator":{"@type":"Organization","name":"ECB"},"temporalCoverage":"1999-01-01/2026-10-31","dateModified":"2026-10-31"},{"@type":"Dataset","name":"US federal funds rate (effective)","license":"Federal Reserve Bank of St. Louis (FRED), freie Weiterverwendung mit Quellenangabe","creator":{"@type":"Organization","name":"FRED (St. Louis Fed)"},"temporalCoverage":"1999-01-01/2026-10-29","dateModified":"2026-10-29"},{"@type":"Dataset","name":"Germany inflation rate (HICP, year on year)","license":"© Eurostat, freie Weiterverwendung mit Quellenangabe","creator":{"@type":"Organization","name":"Eurostat"},"temporalCoverage":"1999-01-01/2026-09-01","dateModified":"2026-09-01"},{"@type":"Dataset","name":"Euro area inflation rate (HICP, year on year)","license":"© Eurostat, freie Weiterverwendung mit Quellenangabe","creator":{"@type":"Organization","name":"Eurostat"},"temporalCoverage":"1999-01-01/2026-09-01","dateModified":"2026-09-01"},{"@type":"Dataset","name":"Germany savings rates (overnight deposits)","license":"© Europäische Zentralbank, freie Weiterverwendung mit Quellenangabe","creator":{"@type":"Organization","name":"ECB"},"temporalCoverage":"2000-01-01/2026-08-01","dateModified":"2026-08-01"},{"@type":"Dataset","name":"US 10-year Treasury yield","license":"Federal Reserve Bank of St. Louis (FRED), freie Weiterverwendung mit Quellenangabe","creator":{"@type":"Organization","name":"FRED (St. Louis Fed)"},"temporalCoverage":"1999-01-04/2026-10-29","dateModified":"2026-10-29"},{"@type":"Dataset","name":"US 30-year fixed mortgage rate","license":"Federal Reserve Bank of St. Louis (FRED), freie Weiterverwendung mit Quellenangabe","creator":{"@type":"Organization","name":"FRED (St. Louis Fed)"},"temporalCoverage":"1999-01-08/2026-10-29","dateModified":"2026-10-29"},{"@type":"Dataset","name":"US inflation rate (CPI, year on year)","license":"Federal Reserve Bank of St. Louis (FRED), freie Weiterverwendung mit Quellenangabe","creator":{"@type":"Organization","name":"FRED (St. Louis Fed)"},"temporalCoverage":"1999-01-01/2026-09-01","dateModified":"2026-09-01"}]}],"notice":"© 2026 Alysly.com. Not investment advice. All data without guarantee. Financial information is analyzed and presented partly with AI assistance."}