Germany household deposit rates, outstanding, over 2 years
Germany household deposit rates, outstanding, over 2 years stood at 1.3% in Aug 2026, according to Deutsche Bundesbank. It is one of the indicators in the Bank interest rates table (Value · Monthly), with a complete series running from Jan 2003 to Aug 2026. The complete series with an interactive chart, free to download.
This indicator in the Bank interest rates table
| Indicator | 08-2026 | 07-2026 | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | 11-2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Outstanding amounts | |||||||||||
| Households' deposits with an agreed maturity of over 2 years, SUD002 | 1.3 | 1.29 | 1.28 | 1.27 | 1.27 | 1.27 | 1.27 | 1.27 | 1.26 | 1.23 | |
| Non-financial corporations' deposits with an agreed maturity of up to 2 years, SUD003 | 2.25 | 2.19 | 2.12 | 2.01 | 1.96 | 1.92 | 1.91 | 1.9 | 1.91 | 1.9 |
Understanding germany household deposit rates, outstanding, over 2 years
Long-term private savings commitments are evaluated here, measuring the yield generated by domestic retail funds locked for periods exceeding twenty-four months. This category encompasses the stock of established deposit accounts where individuals have forfeited immediate access to their capital in exchange for agreed remuneration. It stands entirely apart from overnight deposits, sight accounts, and shorter-term fixed savings vehicles. Because the figures represent the total outstanding volume rather than just the latest month's placements, the resulting yield blends accounts opened under diverse historical macroeconomic conditions. It strictly counts household assets, omitting identical long-duration instruments held by non-financial corporations or governmental entities.
Interpreting this aggregate correctly demands an awareness of its immense inertia. The long-duration nature of the underlying assets ensures that changes to the headline percentage materialize very slowly, even amidst rapid shifts in broader financial markets. Consequently, period-on-period assessments typically show negligible variance, making annual comparisons far more useful for identifying structural changes in retail returns. Users must avoid directly comparing these figures against current money market quotes or new deposit promotions, as the inclusion of older, locked-in contracts systematically dampens the measure's volatility compared to active lending rates.
Frequently asked questions
- Do early withdrawal penalties affect the reported percentages?
- No, the series records the formally agreed annualized yield, independent of any subsequent penalties incurred by premature withdrawals.
- Are regular retail checking accounts included in this aggregate?
- Checking and sight accounts fall entirely outside this classification, which mandates an explicit agreed maturity of over two years.
- Why might this figure differ from the rates advertised by retail banks today?
- Advertised figures represent new business, whereas this metric captures the entire existing portfolio, including term deposits initiated several years ago under different conditions.