Data / Household term deposit rate, up to 1 year / Germany

Household term deposit rate, up to 1 year in Germany

Household term deposit rate, up to 1 year in Germany was 2.28% in August 2026, according to the European Central Bank. That is up 0.52 pts from August 2025. That is the 8th highest of 21 EU countries in August 2026.

August 20262.28% Provisional
Change on August 2025+0.52 pts
Rank8th of 21EU countries ranked
Series high4.51August 2008
Series low-0.07December 2021
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Household term deposit rate, up to 1 year in Germany, January 2003 to August 2026

-10123452003-012006-062009-112013-042016-092020-022023-072026-082026-08: 2.28 %-202462003-012010-122018-112026-082026-08: 2.28 %
%. Source: ECB, ECB MIR: Household term deposit rate, up to 1 year (M.<area>.B.L22.F.R.A.2250.EUR.N). Retrieved 2026-10-12.
All 284 values
Period%
2026-082.28 Provisional
2026-072.22
2026-062.16
2026-052
2026-041.94
2026-031.89
2026-021.85
2026-011.84
2025-121.79
2025-111.78
2025-101.8
2025-091.77
2025-081.76
2025-071.73
2025-061.78
2025-051.86
2025-041.94
2025-032.11
2025-022.2
2025-012.36
2024-122.48
2024-112.64
2024-102.76
2024-092.92
2024-083.04
2024-073.1
2024-063.11
2024-053.22
2024-043.21
2024-033.27
2024-023.28
2024-013.27
2023-123.37
2023-113.46
2023-103.4
2023-093.22
2023-083.12
2023-072.94
2023-062.78
2023-052.58
2023-042.33
2023-032.19
2023-021.95
2023-011.68
2022-121.53
2022-111.34
2022-101.06
2022-090.84
2022-080.49
2022-070.31
2022-060.17
2022-050.14
2022-040.14
2022-030.12
2022-020.06
2022-010.11
2021-12-0.07
2021-110.09
2021-100.06
2021-09-0.01
2021-080.02
2021-070.02
2021-06-0.04
2021-050.01
2021-040.06
2021-030.06
2021-020.07
2021-010.03
2020-12-0.01
2020-110.11
2020-100.1
2020-090.1
2020-080.16
2020-070.15
2020-060.17
2020-050.19
2020-040.14
2020-030.12
2020-020.15
2020-010.14
2019-120.08
2019-110.18
2019-100.17
2019-090.14
2019-080.15
2019-070.12
2019-060.1
2019-050.13
2019-040.29
2019-030.29
2019-020.29
2019-010.28
2018-120.28
2018-110.3
2018-100.28
2018-090.31
2018-080.3
2018-070.27
2018-060.3
2018-050.36
2018-040.31
2018-030.3
2018-020.26
2018-010.19
2017-120.13
2017-110.17
2017-100.18
2017-090.15
2017-080.14
2017-070.17
2017-060.22
2017-050.2
2017-040.19
2017-030.26
2017-020.31
2017-010.28
2016-120.23
2016-110.3
2016-100.3
2016-090.32
2016-080.33
2016-070.27
2016-060.27
2016-050.34
2016-040.35
2016-030.34
2016-020.34
2016-010.35
2015-120.28
2015-110.34
2015-100.34
2015-090.34
2015-080.32
2015-070.33
2015-060.29
2015-050.36
2015-040.34
2015-030.39
2015-020.53
2015-010.53
2014-120.37
2014-110.51
2014-100.51
2014-090.51
2014-080.54
2014-070.53
2014-060.63
2014-050.64
2014-040.65
2014-030.65
2014-020.73
2014-010.7
2013-120.61
2013-110.69
2013-100.66
2013-090.67
2013-080.7
2013-070.68
2013-060.71
2013-050.77
2013-040.76
2013-030.73
2013-020.88
2013-010.83
2012-120.75
2012-110.96
2012-100.97
2012-091.17
2012-081.16
2012-071.26
2012-061.15
2012-051.21
2012-041.27
2012-031.25
2012-021.33
2012-011.43
2011-121.38
2011-111.53
2011-101.57
2011-091.51
2011-081.51
2011-071.54
2011-061.41
2011-051.37
2011-041.35
2011-031.17
2011-021.22
2011-011.27
2010-121.08
2010-111.16
2010-101.12
2010-091.03
2010-081.03
2010-071.08
2010-060.95
2010-050.96
2010-041.07
2010-031.35
2010-021.21
2010-011.12
2009-120.87
2009-111.04
2009-101.03
2009-091.01
2009-081.18
2009-071.45
2009-061.29
2009-051.34
2009-041.32
2009-031.46
2009-021.94
2009-012.67
2008-123.21
2008-113.89
2008-104.49
2008-094.48
2008-084.51
2008-074.43
2008-064.27
2008-054.18
2008-044.13
2008-034.01
2008-023.91
2008-014.08
2007-124.22
2007-114.03
2007-104
2007-094.01
2007-083.94
2007-073.84
2007-063.72
2007-053.6
2007-043.54
2007-033.48
2007-023.33
2007-013.34
2006-123.23
2006-113.05
2006-102.97
2006-092.82
2006-082.75
2006-072.63
2006-062.49
2006-052.37
2006-042.32
2006-032.29
2006-022.21
2006-012.16
2005-122.06
2005-111.92
2005-101.89
2005-091.89
2005-081.88
2005-071.88
2005-061.89
2005-051.89
2005-041.88
2005-031.91 Series break
2005-021.93
2005-011.93
2004-121.9
2004-111.92
2004-101.92
2004-091.89
2004-081.96
2004-071.9
2004-061.88
2004-051.88
2004-042.01
2004-032.03
2004-021.95
2004-011.92
2003-121.89
2003-111.89
2003-101.94
2003-091.88
2003-082.07
2003-071.98
2003-062.13
2003-052.29
2003-042.3
2003-032.37
2003-022.42
2003-012.6

Germany compared with nearby places

Austria: 2.15 %Belgium: 2.14 %Bulgaria: 1.4 %Cyprus: 1.35 %Germany: 2.28 %Estonia: 2.35 %Spain: 2.01 %Finland: 2.53 %France: 2.36 %Greece: 1.17 %Croatia: 1.29 %Ireland: 1.81 %Italy: 2.46 %Lithuania: 2.43 %Luxembourg: 2 %Latvia: 2.52 %Malta: 2.24 %Netherlands: 2.54 %Portugal: 1.62 %Slovenia: 0.75 %Slovakia: 2.18 %
  • Under 1.4
  • 1.4 to 2
  • 2 to 2.2
  • 2.2 to 2.4
  • 2.4 and over
  • No data
Household term deposit rate, up to 1 year, August 2026, %. Germany is outlined. Same source and period for every area shown. Source: European Central Bank. Boundaries: Natural Earth (public domain).

Rankings

Definition

Monthly average annual interest rate on new euro household deposits with agreed maturity up to 1 year.

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, up to 1 year (M.<area>.B.L22.F.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.F.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, up to 1 year (M.<area>.B.L22.F.R.A.2250.EUR.N) (Household term deposit rate, up to 1 year, Germany, 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.F.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01

MLA 9

ECB MIR: Household term deposit rate, up to 1 year (M.<area>.B.L22.F.R.A.2250.EUR.N), Household term deposit rate, up to 1 year, Germany, 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.F.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Invokely, https://invokely.ai/en/household-term-deposit-rate-up-to-one-year/germany. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB MIR: Household term deposit rate, up to 1 year (M.<area>.B.L22.F.R.A.2250.EUR.N). Household term deposit rate, up to 1 year, Germany, 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.F.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Also distributed by Invokely, https://invokely.ai/en/household-term-deposit-rate-up-to-one-year/germany.

Harvard

European Central Bank (no date) ECB MIR: Household term deposit rate, up to 1 year (M.<area>.B.L22.F.R.A.2250.EUR.N), Household term deposit rate, up to 1 year, Germany, 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.F.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01, via Invokely: https://invokely.ai/en/household-term-deposit-rate-up-to-one-year/germany (Accessed: 12 October 2026).

BibTeX
@misc{european_household_term_deposit_rate_2026,
  author = {{European Central Bank}},
  title = {{ECB MIR: Household term deposit rate, up to 1 year (M.<area>.B.L22.F.R.A.2250.EUR.N): Household term deposit rate, up to 1 year, Germany, 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.F.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-up-to-one-year/germany. Publisher attribution: European Central Bank. ECB MIR: Household term deposit rate, up to 1 year (M.<area>.B.L22.F.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.F.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, up to 1 year (M.<area>.B.L22.F.R.A.2250.EUR.N): Household term deposit rate, up to 1 year, Germany, 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.F.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01
L2  - https://invokely.ai/en/household-term-deposit-rate-up-to-one-year/germany
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/en/household-term-deposit-rate-up-to-one-year/germany.
N1  - Publisher attribution: European Central Bank. ECB MIR: Household term deposit rate, up to 1 year (M.<area>.B.L22.F.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.F.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, up to 1 year in Germany?

Household term deposit rate, up to 1 year in Germany was 2.28% in August 2026, according to the European Central Bank. That is up 0.52 pts from August 2025. That is the 8th highest of 21 EU countries in August 2026.

Where does this figure come from?

European Central Bank. ECB MIR: Household term deposit rate, up to 1 year (M.<area>.B.L22.F.R.A.2250.EUR.N). Retrieved by Invokely on 2026-10-12.

What was the highest household term deposit rate, up to 1 year in Germany?

4.51% in August 2008, the highest value since January 2003 in this series.

Household term deposit rate, up to 1 year elsewhere in European Union (27)

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