EU countries by corporate term deposit rate, up to 1 year

France had the highest corporate term deposit rate, up to 1 year of 21 EU countries in December 2025, at 2.15%. Cyprus had the lowest, at 1.27%. The median was 1.83%. Source: the European Central Bank.

Highest2.15France

Lowest1.27Cyprus

Median1.8321 EU countries

Map of EU countries, December 2025

Under 1.7
1.7 to 1.8
1.8 to 1.9
1.9 to 2
2 and over
No data

%, December 2025. Hatched areas have no value for this period. Source: ECB, ECB MIR: Corporate term deposit rate, up to 1 year (M.<area>.B.L22.F.R.A.2240.EUR.N). Boundaries: Natural Earth (public domain).

All EU countries, December 2025

%. Source: ECB, ECB MIR: Corporate term deposit rate, up to 1 year (M.<area>.B.L22.F.R.A.2240.EUR.N). Retrieved 2026-10-12.

Full ranking

Rank	EU countries	December 2025 (%)	Change on December 2024
1	France	2.15	-0.93 pts
2	Estonia	2.07	-0.98 pts
3	Slovakia	2.03	-0.86 pts
4	Italy	1.97	-0.84 pts
5	Finland	1.95	-0.87 pts
6	Spain	1.93	-0.82 pts
7	Lithuania	1.91	-0.72 pts
8	Germany	1.88	-0.97 pts
8	Malta	1.88	-0.83 pts
10	Austria	1.85	-0.84 pts
11	Netherlands	1.83	-0.53 pts
12	Croatia	1.82	-0.91 pts
13	Belgium	1.76	-0.75 pts
14	Ireland	1.74	-0.55 pts
15	Portugal	1.73	-0.92 pts
16	Greece	1.72	-0.84 pts
16	Luxembourg	1.72	-0.99 pts
18	Latvia	1.69	-0.89 pts
19	Bulgaria	1.45	-0.68 pts
20	Slovenia	1.41	-0.68 pts
21	Cyprus	1.27	-0.46 pts

Other periods

About this ranking

Monthly average annual interest rate on new euro deposits from non-financial corporations 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.

Every value in the ranking comes from the same publisher and the same period, so the EU countries are compared on one definition. Equal values share a rank.

How to cite

European Central Bank. ECB MIR: Corporate term deposit rate, up to 1 year (M.<area>.B.L22.F.R.A.2240.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.2240.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: Corporate term deposit rate, up to 1 year (M.<area>.B.L22.F.R.A.2240.EUR.N) (EU countries by corporate term deposit rate, up to 1 year, 2025-12) [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.2240.EUR.N?format=csvdata&startPeriod=2003-01

MLA 9

ECB MIR: Corporate term deposit rate, up to 1 year (M.<area>.B.L22.F.R.A.2240.EUR.N), EU countries by corporate term deposit rate, up to 1 year, 2025-12. 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.2240.EUR.N?format=csvdata&startPeriod=2003-01. Invokely, https://invokely.ai/rankings/corporate-term-deposit-rate-up-to-one-year/eu-countries?period=2025-12. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB MIR: Corporate term deposit rate, up to 1 year (M.<area>.B.L22.F.R.A.2240.EUR.N). EU countries by corporate term deposit rate, up to 1 year, 2025-12. 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.2240.EUR.N?format=csvdata&startPeriod=2003-01. Also distributed by Invokely, https://invokely.ai/rankings/corporate-term-deposit-rate-up-to-one-year/eu-countries?period=2025-12.

Harvard

European Central Bank (no date) ECB MIR: Corporate term deposit rate, up to 1 year (M.<area>.B.L22.F.R.A.2240.EUR.N), EU countries by corporate term deposit rate, up to 1 year, 2025-12 [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.2240.EUR.N?format=csvdata&startPeriod=2003-01, via Invokely: https://invokely.ai/rankings/corporate-term-deposit-rate-up-to-one-year/eu-countries?period=2025-12 (Accessed: 12 October 2026).

BibTeX

@misc{european_eu_countries_by_corporate_2026,
  author = {{European Central Bank}},
  title = {{ECB MIR: Corporate term deposit rate, up to 1 year (M.<area>.B.L22.F.R.A.2240.EUR.N): EU countries by corporate term deposit rate, up to 1 year, 2025-12}},
  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.2240.EUR.N?format=csvdata&startPeriod=2003-01},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/corporate-term-deposit-rate-up-to-one-year/eu-countries?period=2025-12. Publisher attribution: European Central Bank. ECB MIR: Corporate term deposit rate, up to 1 year (M.<area>.B.L22.F.R.A.2240.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.2240.EUR.N?format=csvdata\&startPeriod=2003-01. Retrieved 2026-10-12.},
}

RIS

TY  - DATA
AU  - European Central Bank
TI  - ECB MIR: Corporate term deposit rate, up to 1 year (M.<area>.B.L22.F.R.A.2240.EUR.N): EU countries by corporate term deposit rate, up to 1 year, 2025-12
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.2240.EUR.N?format=csvdata&startPeriod=2003-01
L2  - https://invokely.ai/rankings/corporate-term-deposit-rate-up-to-one-year/eu-countries?period=2025-12
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/corporate-term-deposit-rate-up-to-one-year/eu-countries?period=2025-12.
N1  - Publisher attribution: European Central Bank. ECB MIR: Corporate term deposit rate, up to 1 year (M.<area>.B.L22.F.R.A.2240.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.2240.EUR.N?format=csvdata&startPeriod=2003-01. Retrieved 2026-10-12.
ER  -

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Rank EU countries by corporate term deposit rate, up to 1 year using official data, and cite the source.

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Questions

Which EU country has the highest corporate term deposit rate, up to 1 year?

France, with 2.15% in December 2025, according to the European Central Bank.

Which EU country has the lowest corporate term deposit rate, up to 1 year?

Cyprus, with 1.27% in December 2025.

Where does this ranking come from?

Every value comes from one source and one period, so the places are comparable: European Central Bank, ECB MIR: Corporate term deposit rate, up to 1 year (M.<area>.B.L22.F.R.A.2240.EUR.N). Retrieved 2026-10-12.