Data / Household term deposit rate, over 2 years / Euro area

Household term deposit rate, over 2 years in Euro area

Household term deposit rate, over 2 years in Euro area was 2.61% in August 2026, according to the European Central Bank. That is up 0.45 pts from August 2025.

August 20262.61% Provisional
Change on August 2025+0.45 pts
Series high3.71November 2008
Series low0.52March 2022
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Household term deposit rate, over 2 years in Euro area, January 2003 to August 2026

012342003-012006-062009-112013-042016-092020-022023-072026-082026-08: 2.61 %012342003-012010-122018-112026-082026-08: 2.61 %
%. Source: ECB, ECB MIR: Household term deposit rate, over 2 years (M.<area>.B.L22.H.R.A.2250.EUR.N). Retrieved 2026-10-12.
All 284 values
Period%
2026-082.61 Provisional
2026-072.58
2026-062.55
2026-052.37
2026-042.4
2026-032.27
2026-022.24
2026-012.3
2025-122.27
2025-112.21
2025-102.16
2025-092.14
2025-082.16
2025-072.19
2025-062.19
2025-052.21
2025-042.28
2025-032.23
2025-022.35
2025-012.41
2024-122.5
2024-112.52
2024-102.63
2024-092.73
2024-082.69
2024-072.77
2024-062.84
2024-052.81
2024-042.89
2024-032.91
2024-023.07
2024-013.15
2023-123.46
2023-113.41
2023-103.31
2023-093.12
2023-083.11
2023-072.87
2023-062.59
2023-052.48
2023-042.42
2023-032.26
2023-022.2
2023-012.08
2022-121.91
2022-111.81
2022-101.59
2022-091.27
2022-081.02
2022-070.89
2022-060.72
2022-050.64
2022-040.57
2022-030.52
2022-020.56
2022-010.56
2021-120.6
2021-110.57
2021-100.57
2021-090.57
2021-080.58
2021-070.55
2021-060.59
2021-050.57
2021-040.62
2021-030.61
2021-020.66
2021-010.68
2020-120.72
2020-110.71
2020-100.69
2020-090.7
2020-080.71
2020-070.74
2020-060.71
2020-050.69
2020-040.72
2020-030.64
2020-020.69
2020-010.71
2019-120.78
2019-110.73
2019-100.83
2019-090.78
2019-080.78
2019-070.8
2019-060.82
2019-050.79
2019-040.75
2019-030.76
2019-020.7
2019-010.74
2018-120.78
2018-110.73
2018-100.73
2018-090.69
2018-080.64
2018-070.64
2018-060.63
2018-050.57
2018-040.61
2018-030.67
2018-020.69
2018-010.69
2017-120.73
2017-110.74
2017-100.75
2017-090.74
2017-080.75
2017-070.76
2017-060.77
2017-050.81
2017-040.73
2017-030.74
2017-020.77
2017-010.76
2016-120.76
2016-110.78
2016-100.75
2016-090.79
2016-080.83
2016-070.91
2016-060.85
2016-050.87
2016-040.85
2016-030.88
2016-020.9
2016-011.25
2015-120.98
2015-110.96
2015-100.99
2015-091.08
2015-081
2015-071.15
2015-061.12
2015-051.14
2015-041.19
2015-031.24
2015-021.53
2015-011.95
2014-121.56
2014-111.66
2014-101.65
2014-091.7
2014-081.66
2014-071.75
2014-061.73
2014-051.74
2014-041.84
2014-031.86
2014-021.93
2014-011.94
2013-121.91
2013-112.02
2013-102.07
2013-092.06
2013-082.05
2013-072.08
2013-062.11
2013-052.25
2013-042.26
2013-032.28
2013-022.29
2013-012.41
2012-122.25
2012-112.33
2012-102.47
2012-092.42
2012-082.51
2012-072.61
2012-062.64
2012-052.68
2012-042.84
2012-033.02
2012-023.14
2012-013.13
2011-123.04
2011-113.01
2011-103.12
2011-092.91
2011-082.99
2011-073.1
2011-063.15
2011-053.06
2011-043.07
2011-032.91
2011-022.8
2011-012.77
2010-122.61
2010-112.66
2010-102.8
2010-092.29
2010-082.35
2010-072.36
2010-062.45
2010-052.24
2010-042.14
2010-032.24
2010-022.36
2010-012.52
2009-122.4
2009-112.56
2009-102.55
2009-092.52
2009-082.64
2009-072.61
2009-062.56
2009-052.72
2009-042.87
2009-033.07
2009-023.23
2009-013.52
2008-123.69
2008-113.71
2008-103.57
2008-093.36
2008-083.45
2008-073.37
2008-063.28
2008-053.16
2008-043.14
2008-033.08
2008-023.22
2008-013.43
2007-123.18
2007-113.2
2007-103.31
2007-092.92
2007-083.01
2007-072.97
2007-062.64
2007-052.72
2007-042.78
2007-032.68
2007-022.72
2007-012.92
2006-122.79
2006-112.8
2006-102.87
2006-092.66
2006-082.82
2006-072.8
2006-062.57
2006-052.48
2006-042.49
2006-032.45
2006-022.36
2006-012.56
2005-122.21
2005-112.18
2005-102.16
2005-092.04
2005-082.09
2005-072.18
2005-062.19
2005-052.2
2005-042.32
2005-032.42
2005-022.33
2005-012.53
2004-122.31
2004-112.5
2004-102.48
2004-092.48
2004-082.67
2004-072.54
2004-062.42
2004-052.42
2004-042.41
2004-032.3
2004-022.45
2004-012.74
2003-122.41
2003-112.61
2003-102.51
2003-092.43
2003-082.54
2003-072.33
2003-062.62
2003-052.65
2003-042.8
2003-032.75
2003-022.9
2003-013.19

Rankings

Definition

Monthly average annual interest rate on new euro household deposits with agreed maturity over 2 years.

New agreements include renegotiations. Rates are weighted by the amounts agreed during the month and are distinct from the ECB composite rates that use moving-average weights. Annualised agreed rates or narrowly defined effective rates (AAR/NDER) cover interest and exclude fees and other charges. Household figures include non-profit institutions serving households. Corporations are non-financial companies. The euro area aggregate has changing membership. Country histories vary and missing values are not filled.

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How to cite

European Central Bank. ECB MIR: Household term deposit rate, over 2 years (M.<area>.B.L22.H.R.A.2250.EUR.N). https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.L22.H.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Retrieved 2026-10-12.

Citation styles

The publisher is the author. Invokely is named only as the place the figures were read, where a style asks for it.

APA 7

European Central Bank. (n.d.). ECB MIR: Household term deposit rate, over 2 years (M.<area>.B.L22.H.R.A.2250.EUR.N) (Household term deposit rate, over 2 years, Euro area, 2003-01 to 2026-08) [Data set]. Retrieved October 12, 2026, from https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.L22.H.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01

MLA 9

ECB MIR: Household term deposit rate, over 2 years (M.<area>.B.L22.H.R.A.2250.EUR.N), Household term deposit rate, over 2 years, Euro area, 2003-01 to 2026-08. European Central Bank, https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.L22.H.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Invokely, https://invokely.ai/en/household-term-deposit-rate-over-two-years/euro-area. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB MIR: Household term deposit rate, over 2 years (M.<area>.B.L22.H.R.A.2250.EUR.N). Household term deposit rate, over 2 years, Euro area, 2003-01 to 2026-08. Dataset. Accessed October 12, 2026. https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.L22.H.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Also distributed by Invokely, https://invokely.ai/en/household-term-deposit-rate-over-two-years/euro-area.

Harvard

European Central Bank (no date) ECB MIR: Household term deposit rate, over 2 years (M.<area>.B.L22.H.R.A.2250.EUR.N), Household term deposit rate, over 2 years, Euro area, 2003-01 to 2026-08 [Dataset]. Available at: https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.L22.H.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01, via Invokely: https://invokely.ai/en/household-term-deposit-rate-over-two-years/euro-area (Accessed: 12 October 2026).

BibTeX
@misc{european_household_term_deposit_rate_2026,
  author = {{European Central Bank}},
  title = {{ECB MIR: Household term deposit rate, over 2 years (M.<area>.B.L22.H.R.A.2250.EUR.N): Household term deposit rate, over 2 years, Euro area, 2003-01 to 2026-08}},
  howpublished = {Data set},
  url = {https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.L22.H.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/en/household-term-deposit-rate-over-two-years/euro-area. Publisher attribution: European Central Bank. ECB MIR: Household term deposit rate, over 2 years (M.<area>.B.L22.H.R.A.2250.EUR.N). https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.L22.H.R.A.2250.EUR.N?format=csvdata\&startPeriod=2003-01. Retrieved 2026-10-12.},
}
RIS
TY  - DATA
AU  - European Central Bank
TI  - ECB MIR: Household term deposit rate, over 2 years (M.<area>.B.L22.H.R.A.2250.EUR.N): Household term deposit rate, over 2 years, Euro area, 2003-01 to 2026-08
PB  - European Central Bank
DB  - Invokely
UR  - https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.L22.H.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01
L2  - https://invokely.ai/en/household-term-deposit-rate-over-two-years/euro-area
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/en/household-term-deposit-rate-over-two-years/euro-area.
N1  - Publisher attribution: European Central Bank. ECB MIR: Household term deposit rate, over 2 years (M.<area>.B.L22.H.R.A.2250.EUR.N). https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.L22.H.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Retrieved 2026-10-12.
ER  -
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Questions

What is the household term deposit rate, over 2 years in Euro area?

Household term deposit rate, over 2 years in Euro area was 2.61% in August 2026, according to the European Central Bank. That is up 0.45 pts from August 2025.

Where does this figure come from?

European Central Bank. ECB MIR: Household term deposit rate, over 2 years (M.<area>.B.L22.H.R.A.2250.EUR.N). Retrieved by Invokely on 2026-10-12.

What was the highest household term deposit rate, over 2 years in Euro area?

3.71% in November 2008, the highest value since January 2003 in this series.

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