EU countries by household term deposit rate, over 2 years

Lithuania had the highest household term deposit rate, over 2 years of 19 EU countries in February 2026, at 2.78%. Portugal had the lowest, at 0.46%. The median was 2.26%. Source: the European Central Bank.

Highest2.78Lithuania

Lowest0.46Portugal

Median2.2619 EU countries

Map of EU countries, February 2026

Under 1.6
1.6 to 2.1
2.1 to 2.3
2.3 to 2.6
2.6 and over
No data

%, February 2026. Hatched areas have no value for this period. Source: ECB, ECB MIR: Household term deposit rate, over 2 years (M.<area>.B.L22.H.R.A.2250.EUR.N). Boundaries: Natural Earth (public domain).

All EU countries, February 2026

%. 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.

Full ranking

Rank	EU countries	February 2026 (%)	Change on February 2025
1	Lithuania	2.78	+0.19 pts
2	Latvia	2.73	+1.3 pts
3	Netherlands	2.63	-0.12 pts
4	Estonia	2.62	-0.21 pts
5	Luxembourg	2.58	+0.16 pts
6	France	2.48	+0.05 pts
7	Italy	2.4	-0.47 pts
8	Finland	2.33	+0.02 pts
9	Slovakia	2.29	-0.02 pts
10	Germany	2.26	+0.06 pts
11	Belgium	2.25	-0.16 pts
12	Ireland	2.05	-0.07 pts
13	Bulgaria	1.98	-1.32 pts
14	Malta	1.94	-0.44 pts
15	Slovenia	1.68	-0.29 pts
16	Austria	1.6	-0.61 pts
17	Spain	0.99	-0.03 pts
18	Croatia	0.57	-0.04 pts
19	Portugal	0.46	-0.73 pts

Other periods

About this ranking

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.

Every value in the ranking comes from the same publisher and the same period, so the EU countries are compared on one definition. 1 EU countries with data in other periods have no value for February 2026 and are left out rather than filled from another source. Equal values share a rank.

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) (EU countries by household term deposit rate, over 2 years, 2026-02) [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), EU countries by household term deposit rate, over 2 years, 2026-02. 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/rankings/household-term-deposit-rate-over-two-years/eu-countries?period=2026-02. 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). EU countries by household term deposit rate, over 2 years, 2026-02. 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/rankings/household-term-deposit-rate-over-two-years/eu-countries?period=2026-02.

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), EU countries by household term deposit rate, over 2 years, 2026-02 [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/rankings/household-term-deposit-rate-over-two-years/eu-countries?period=2026-02 (Accessed: 12 October 2026).

BibTeX

@misc{european_eu_countries_by_household_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): EU countries by household term deposit rate, over 2 years, 2026-02}},
  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/rankings/household-term-deposit-rate-over-two-years/eu-countries?period=2026-02. 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): EU countries by household term deposit rate, over 2 years, 2026-02
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/rankings/household-term-deposit-rate-over-two-years/eu-countries?period=2026-02
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/household-term-deposit-rate-over-two-years/eu-countries?period=2026-02.
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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Rank EU countries by household term deposit rate, over 2 years using official data, and cite the source.

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Questions

Which EU country has the highest household term deposit rate, over 2 years?

Lithuania, with 2.78% in February 2026, according to the European Central Bank.

Which EU country has the lowest household term deposit rate, over 2 years?

Portugal, with 0.46% in February 2026.

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: Household term deposit rate, over 2 years (M.<area>.B.L22.H.R.A.2250.EUR.N). Retrieved 2026-10-12. 1 EU countries have no value for February 2026 and are not ranked.