2026-11-09
In September 2026, interest rates on household deposits in Lithuania were above the euro area average, while interest rates on housing loans remained among the highest in the euro area
Lietuvos bankas published a comparison of interest rates on new loans of Lithuanian and euro area credit institutions (banks and credit unions) and deposits with agreed maturity (fixed-term deposits) in September 2026. Charts include euro area countries whose data are published on the website of the European Central Bank (ECB). Detailed data are available on the ECB Data Portal.
Lietuvos bankas notes that interest rates on and volumes of new business of loans and deposits1 with credit institutions operating in Lithuania include loans granted to and deposits held by euro area residents.
Interest rates2 on new business of loans and deposits with agreed maturity offered by euro area credit institutions to euro area residents, as published by the ECB, show that:
- In September 2026, interest rates offered on deposits with an agreed maturity to non-financial corporations (companies) in Lithuania were below the euro area average, while those offered to households (residents) were above it;
- interest rates on loans issued to both households and non-financial corporations were higher than the euro area average.
Interest rates on deposits with an agreed maturity held by households with credit institutions operating in Lithuania increased by 0.71 p.p. over the three-month period to 2.49%, while the euro area average3 increased by 0.28 p.p. to 2.37%. In September 2026, Lithuania shared the 7–8th place with Estonia in terms of this indicator (in the previous quarter, it ranked 15th) (see Chart 1);
| Chart 1. Interest rates on and volumes of new business of household deposits with agreed maturity |
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Interest rates on deposits with an agreed maturity held by non-financial corporations (companies) with credit institutions operating in Lithuania increased by 0.10 p.p. over the three-month period to 2.16%, while the euro area average rose by 0.27 p.p. to 2.48%. Lithuania shares the 15th–16th place with Greece in terms of these interest rates (in the previous quarter, it shared the 11–12th place with Spain) and remains below the euro area average (see Chart 2);
| Chart 2. Interest rates on and volumes of new business of non-financial corporation deposits with agreed maturity |
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Interest rates on loans for house purchase granted to households (residents) by credit institutions operating in Lithuania, like in the euro area as a whole, increased over the past three months by 0.29 p.p. and 0.14 p.p. respectively to 4.33% and 3.62%. Lithuania remained third in terms of this indicator (see Chart 3);
| Chart 3. Interest rates on and volumes of new business of household loans for house purchase |
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Over the past three months, interest rates on household loans for consumption in Lithuania decreased by 0.04 p.p. to 8.29%, while in the euro area they increased by 0.31 p.p. to 7.82%. Lithuania ranked 10th in terms of these interest rates (in the previous quarter, it was eight) (see Chart 4);
| Chart 4. Interest rates on and volumes of new business of household loans for consumption |
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Over the past three months, interest rates on loans to households for other purposes offered by credit institutions operating in Lithuania increased by 0.49 p.p. to 6.73%. The euro area average for these interest rates rose by 0.16 p.p. to 4.38%. Lithuania ranked first among the euro area countries in terms of interest rates, compared to the second place in the previous quarter (see Chart 5);
| Chart 5. Interest rates on and volumes of new business of household loans for other purposes |
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The average interest rate on loans to non-financial corporations (companies) offered by credit institutions operating in Lithuania increased more over the three-month period than in the euro area – by 0.29 p.p. and 0.06 p.p. respectively – to 5.18% and 3.79%. In Lithuania, these interest rates remain among the highest in the euro area, i.e. standing 139 b.p. above the euro area average, with Lithuania ranking second or third for several consecutive quarters (see Chart 6).
| Chart 6. Interest rates on and volumes of new business of loans to non-financial corporations |
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1 New business covers financial contracts that specify for the first time the interest rate on a loan or a deposit rate, and contracts for existing loans or deposits, which were renegotiated. New business does not cover revolving loans and overdrafts, as well as credit card debt. New business deposits do not cover automatic renegotiations of existing deposit contracts.
2 Weighted interest rates on new business during the reporting month, in percentages per annum.
3 Comparison of the data for June and September 2026.
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