3-month Euribor in 2024
In 2024 the 3-month Euribor averaged 3.577 %. It started the year at 3.909 %, ended at 2.714 %, and moved between a low of 2.678 % (30 December 2024) and a high of 3.970 % (18 January 2024). Compared with 2023, the yearly average was up +0.144 pp.
The table lists every monthly average of 2024, which is the figure most mortgage contracts use for a revision, followed by the daily fixings that make up those averages. Values before 2006 are the ECB's official monthly averages, because daily fixings from the Bank of Finland series start in January 2006.
In 2024 the monthly averages of the 3-month Euribor were: January 3.925 %, February 3.923 %, March 3.922 %, April 3.886 %, May 3.813 %, June 3.725 %, July 3.685 %, August 3.548 %, September 3.434 %, October 3.167 %, November 3.007 %, December 2.825 %.
Every number on this page is a published fixing, not an estimate: daily values come from the Bank of Finland's copy of the Euribor series, monthly averages are the arithmetic mean of those fixings and are cross-checked against the ECB Data Portal, and the tables are rebuilt each business day after the previous day's fixing appears. Tenors use the ACT/360 convention. Where a monthly average differs from the ECB figure by more than a hundredth of a point the methodology page lists the case.
2024
Source: Bank of Finland. Published with a 24-hour delay.
Months
| Month | Average | Low | High | First | Last | Days | ECB avg |
|---|---|---|---|---|---|---|---|
| January | 3.925 % | 3.887 % | 3.970 % | 3.909 % | 3.905 % | 23 | 3.925 % |
| February | 3.923 % | 3.884 % | 3.952 % | 3.884 % | 3.937 % | 21 | 3.923 % |
| March | 3.922 % | 3.886 % | 3.942 % | 3.938 % | 3.892 % | 21 | 3.923 % |
| April | 3.886 % | 3.825 % | 3.923 % | 3.892 % | 3.825 % | 22 | 3.885 % |
| May | 3.813 % | 3.785 % | 3.853 % | 3.825 % | 3.785 % | 23 | 3.813 % |
| June | 3.725 % | 3.682 % | 3.782 % | 3.782 % | 3.711 % | 20 | 3.725 % |
| July | 3.685 % | 3.631 % | 3.714 % | 3.709 % | 3.647 % | 23 | 3.685 % |
| August | 3.548 % | 3.490 % | 3.638 % | 3.638 % | 3.490 % | 22 | 3.548 % |
| September | 3.434 % | 3.279 % | 3.488 % | 3.469 % | 3.279 % | 21 | 3.434 % |
| October | 3.167 % | 3.052 % | 3.268 % | 3.252 % | 3.062 % | 23 | 3.167 % |
| November | 3.007 % | 2.898 % | 3.085 % | 3.085 % | 2.934 % | 21 | 3.007 % |
| December | 2.825 % | 2.678 % | 2.924 % | 2.924 % | 2.714 % | 20 | 2.825 % |
Source: Bank of Finland (daily fixings), ECB Data Portal (monthly averages). Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.714 % | +0.036 pp | |
| 2.678 % | -0.005 pp | |
| 2.683 % | -0.032 pp | |
| 2.715 % | -0.016 pp | |
| 2.731 % | -0.041 pp | |
| 2.772 % | -0.067 pp | |
| 2.839 % | -0.013 pp | |
| 2.852 % | -0.013 pp | |
| 2.865 % | +0.002 pp | |
| 2.863 % | +0.020 pp | |
| 2.843 % | -0.043 pp | |
| 2.886 % | -0.002 pp | |
| 2.888 % | +0.016 pp | |
| 2.872 % | +0.010 pp | |
| 2.862 % | -0.006 pp | |
| 2.868 % | -0.013 pp | |
| 2.881 % | +0.004 pp | |
| 2.877 % | -0.002 pp | |
| 2.879 % | -0.045 pp | |
| 2.924 % | -0.010 pp | |
| 2.934 % | -0.005 pp | |
| 2.939 % | +0.027 pp | |
| 2.912 % | +0.014 pp | |
| 2.898 % | -0.087 pp | |
| 2.985 % | -0.037 pp | |
| 3.022 % | +0.017 pp | |
| 3.005 % | +0.005 pp | |
| 3.000 % | -0.013 pp | |
| 3.013 % | +0.009 pp | |
| 3.004 % | +0.006 pp | |
| 2.998 % | -0.007 pp | |
| 3.005 % | -0.018 pp | |
| 3.023 % | -0.011 pp | |
| 3.034 % | -0.006 pp | |
| 3.040 % | +0.008 pp | |
| 3.032 % | 0.000 pp | |
| 3.032 % | -0.017 pp | |
| 3.049 % | -0.008 pp | |
| 3.057 % | -0.018 pp | |
| 3.075 % | -0.010 pp | |
| 3.085 % | +0.023 pp | |
| 3.062 % | +0.006 pp | |
| 3.056 % | 0.000 pp | |
| 3.056 % | +0.004 pp | |
| 3.052 % | -0.007 pp | |
| 3.059 % | -0.013 pp | |
| 3.072 % | -0.014 pp | |
| 3.086 % | -0.012 pp | |
| 3.098 % | -0.040 pp | |
| 3.138 % | -0.063 pp | |
| 3.201 % | -0.018 pp | |
| 3.219 % | +0.011 pp | |
| 3.208 % | -0.007 pp | |
| 3.215 % | +0.010 pp | |
| 3.205 % | +0.026 pp | |
| 3.179 % | -0.005 pp | |
| 3.184 % | -0.039 pp | |
| 3.223 % | -0.042 pp | |
| 3.265 % | -0.003 pp | |
| 3.268 % | +0.018 pp | |
| 3.250 % | +0.012 pp | |
| 3.238 % | -0.008 pp | |
| 3.246 % | -0.006 pp | |
| 3.252 % | -0.027 pp | |
| 3.279 % | -0.047 pp | |
| 3.326 % | -0.019 pp | |
| 3.345 % | -0.007 pp | |
| 3.352 % | -0.050 pp | |
| 3.402 % | -0.029 pp | |
| 3.431 % | -0.005 pp | |
| 3.436 % | -0.019 pp | |
| 3.455 % | -0.003 pp | |
| 3.458 % | -0.022 pp | |
| 3.480 % | -0.008 pp | |
| 3.488 % | +0.016 pp | |
| 3.472 % | -0.009 pp | |
| 3.481 % | +0.014 pp | |
| 3.467 % | +0.007 pp | |
| 3.460 % | -0.002 pp | |
| 3.462 % | -0.006 pp | |
| 3.468 % | -0.002 pp | |
| 3.470 % | +0.021 pp | |
| 3.449 % | -0.009 pp | |
| 3.458 % | -0.011 pp | |
| 3.469 % | -0.021 pp | |
| 3.490 % | -0.015 pp | |
| 3.505 % | 0.000 pp | |
| 3.505 % | -0.010 pp | |
| 3.515 % | -0.008 pp | |
| 3.523 % | -0.002 pp | |
| 3.525 % | -0.016 pp | |
| 3.541 % | -0.001 pp | |
| 3.542 % | +0.004 pp | |
| 3.538 % | -0.013 pp | |
| 3.551 % | -0.009 pp | |
| 3.560 % | +0.011 pp | |
| 3.549 % | +0.007 pp | |
| 3.542 % | 0.000 pp | |
| 3.542 % | -0.006 pp | |
| 3.548 % | -0.009 pp | |
| 3.557 % | -0.020 pp | |
| 3.577 % | +0.008 pp | |
| 3.569 % | +0.046 pp | |
| 3.523 % | -0.061 pp | |
| 3.584 % | -0.039 pp | |
| 3.623 % | -0.015 pp | |
| 3.638 % | -0.009 pp | |
| 3.647 % | +0.016 pp | |
| 3.631 % | -0.005 pp | |
| 3.636 % | -0.019 pp | |
| 3.655 % | -0.031 pp | |
| 3.686 % | -0.012 pp | |
| 3.698 % | +0.013 pp | |
| 3.685 % | -0.020 pp | |
| 3.705 % | +0.007 pp | |
| 3.698 % | +0.010 pp | |
| 3.688 % | +0.010 pp | |
| 3.678 % | +0.004 pp | |
| 3.674 % | +0.012 pp | |
| 3.662 % | -0.002 pp | |
| 3.664 % | -0.021 pp | |
| 3.685 % | -0.019 pp | |
| 3.704 % | -0.004 pp | |
| 3.708 % | +0.009 pp | |
| 3.699 % | -0.013 pp | |
| 3.712 % | +0.004 pp | |
| 3.708 % | +0.003 pp | |
| 3.705 % | -0.009 pp | |
| 3.714 % | +0.005 pp | |
| 3.709 % | -0.002 pp | |
| 3.711 % | +0.016 pp | |
| 3.695 % | -0.027 pp | |
| 3.722 % | +0.024 pp | |
| 3.698 % | +0.016 pp | |
| 3.682 % | -0.004 pp | |
| 3.686 % | -0.014 pp | |
| 3.700 % | -0.012 pp | |
| 3.712 % | -0.005 pp | |
| 3.717 % | +0.006 pp | |
| 3.711 % | -0.004 pp | |
| 3.715 % | -0.004 pp | |
| 3.719 % | -0.001 pp | |
| 3.720 % | -0.019 pp | |
| 3.739 % | -0.004 pp | |
| 3.743 % | -0.016 pp | |
| 3.759 % | +0.004 pp | |
| 3.755 % | +0.003 pp | |
| 3.752 % | -0.020 pp | |
| 3.772 % | -0.010 pp | |
| 3.782 % | -0.003 pp | |
| 3.785 % | -0.003 pp | |
| 3.788 % | -0.006 pp | |
| 3.794 % | +0.009 pp | |
| 3.785 % | -0.015 pp | |
| 3.800 % | -0.008 pp | |
| 3.808 % | +0.007 pp | |
| 3.801 % | -0.018 pp | |
| 3.819 % | -0.004 pp | |
| 3.823 % | +0.001 pp | |
| 3.822 % | -0.008 pp | |
| 3.830 % | +0.004 pp | |
| 3.826 % | +0.010 pp | |
| 3.816 % | -0.008 pp | |
| 3.824 % | -0.004 pp | |
| 3.828 % | +0.010 pp | |
| 3.818 % | +0.012 pp | |
| 3.806 % | -0.008 pp | |
| 3.814 % | +0.026 pp | |
| 3.788 % | -0.036 pp | |
| 3.824 % | -0.003 pp | |
| 3.827 % | -0.026 pp | |
| 3.853 % | +0.028 pp | |
| 3.825 % | 0.000 pp | |
| 3.825 % | -0.010 pp | |
| 3.835 % | -0.030 pp | |
| 3.865 % | +0.001 pp | |
| 3.864 % | -0.015 pp | |
| 3.879 % | -0.003 pp | |
| 3.882 % | -0.009 pp | |
| 3.891 % | -0.001 pp | |
| 3.892 % | -0.005 pp | |
| 3.897 % | +0.002 pp | |
| 3.895 % | -0.009 pp | |
| 3.904 % | +0.016 pp | |
| 3.888 % | -0.035 pp | |
| 3.923 % | +0.017 pp | |
| 3.906 % | -0.006 pp | |
| 3.912 % | -0.004 pp | |
| 3.916 % | +0.014 pp | |
| 3.902 % | +0.017 pp | |
| 3.885 % | -0.006 pp | |
| 3.891 % | +0.034 pp | |
| 3.857 % | -0.026 pp | |
| 3.883 % | -0.009 pp | |
| 3.892 % | 0.000 pp | |
| 3.892 % | 0.000 pp | |
| 3.892 % | -0.016 pp | |
| 3.908 % | +0.006 pp | |
| 3.902 % | +0.016 pp | |
| 3.886 % | -0.017 pp | |
| 3.903 % | -0.023 pp | |
| 3.926 % | +0.004 pp | |
| 3.922 % | -0.013 pp | |
| 3.935 % | +0.007 pp | |
| 3.928 % | 0.000 pp | |
| 3.928 % | 0.000 pp | |
| 3.928 % | -0.012 pp | |
| 3.940 % | +0.011 pp | |
| 3.929 % | +0.001 pp | |
| 3.928 % | -0.012 pp | |
| 3.940 % | +0.011 pp | |
| 3.929 % | -0.013 pp | |
| 3.942 % | +0.016 pp | |
| 3.926 % | -0.006 pp | |
| 3.932 % | -0.006 pp | |
| 3.938 % | +0.001 pp | |
| 3.937 % | -0.005 pp | |
| 3.942 % | -0.010 pp | |
| 3.952 % | 0.000 pp | |
| 3.952 % | +0.019 pp | |
| 3.933 % | -0.012 pp | |
| 3.945 % | -0.001 pp | |
| 3.946 % | +0.003 pp | |
| 3.943 % | +0.011 pp | |
| 3.932 % | -0.001 pp | |
| 3.933 % | +0.018 pp | |
| 3.915 % | -0.007 pp | |
| 3.922 % | +0.021 pp | |
| 3.901 % | -0.011 pp | |
| 3.912 % | +0.021 pp | |
| 3.891 % | -0.007 pp | |
| 3.898 % | +0.003 pp | |
| 3.895 % | -0.037 pp | |
| 3.932 % | +0.010 pp | |
| 3.922 % | +0.022 pp | |
| 3.900 % | +0.016 pp | |
| 3.884 % | -0.021 pp | |
| 3.905 % | +0.008 pp | |
| 3.897 % | -0.015 pp | |
| 3.912 % | +0.025 pp | |
| 3.887 % | -0.038 pp | |
| 3.925 % | -0.004 pp | |
| 3.929 % | -0.019 pp | |
| 3.948 % | +0.003 pp | |
| 3.945 % | -0.013 pp | |
| 3.958 % | -0.012 pp | |
| 3.970 % | +0.067 pp | |
| 3.903 % | +0.009 pp | |
| 3.894 % | -0.034 pp | |
| 3.928 % | -0.004 pp | |
| 3.932 % | -0.010 pp | |
| 3.942 % | +0.006 pp | |
| 3.936 % | +0.008 pp | |
| 3.928 % | +0.003 pp | |
| 3.925 % | -0.011 pp | |
| 3.936 % | +0.014 pp | |
| 3.922 % | -0.007 pp | |
| 3.929 % | +0.024 pp | |
| 3.905 % | -0.004 pp | |
| 3.909 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What was the average 3-month Euribor in 2024?
3.577 %. The low was 2.678 % on 30 December 2024 and the high 3.970 % on 18 January 2024.