3-month Euribor – January 2025
The average 3-month Euribor for January 2025 is 2.704 %, computed from 22 daily fixings (complete). The month opened at 2.736 %, closed at 2.589 %, with a low of 2.589 % and a high of 2.789 %. Versus December 2024 the average is down -0.120 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in January on the 3-month Euribor plus 1 pp would pay 3.70 % for the coming period.
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.
What does it mean for a mortgage?
Annuity formula; assumes the rate applies for the whole remaining term. Your bank may round or use a different convention.
January 2025
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.589 % | -0.017 pp | |
| 2.606 % | -0.006 pp | |
| 2.612 % | -0.003 pp | |
| 2.615 % | -0.026 pp | |
| 2.641 % | 0.000 pp | |
| 2.641 % | -0.032 pp | |
| 2.673 % | +0.002 pp | |
| 2.671 % | -0.010 pp | |
| 2.681 % | +0.004 pp | |
| 2.677 % | -0.027 pp | |
| 2.704 % | -0.040 pp | |
| 2.744 % | -0.004 pp | |
| 2.748 % | -0.013 pp | |
| 2.761 % | -0.024 pp | |
| 2.785 % | +0.019 pp | |
| 2.766 % | -0.023 pp | |
| 2.789 % | +0.007 pp | |
| 2.782 % | -0.003 pp | |
| 2.785 % | +0.028 pp | |
| 2.757 % | +0.026 pp | |
| 2.731 % | -0.005 pp | |
| 2.736 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for January 2025?
2.704 %, computed from 22 daily fixings. The ECB's official monthly average is 2.704 %.
My mortgage revises with the January average – what rate applies?
Reference 2.704 % plus your contractual spread; with a 1 pp spread the new rate is 3.70 %. Check whether your contract uses the previous month or the month before that.
Source: Bank of Finland (daily fixings), ECB Data Portal (monthly averages). Published with a 24-hour delay. 07/09/2026