3-month Euribor – February 2025
The average 3-month Euribor for February 2025 is 2.525 %, computed from 20 daily fixings (complete). The month opened at 2.562 %, closed at 2.464 %, with a low of 2.464 % and a high of 2.562 %. Versus January 2025 the average is down -0.179 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in February on the 3-month Euribor plus 1 pp would pay 3.52 % 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.
February 2025
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.464 % | -0.021 pp | |
| 2.485 % | -0.014 pp | |
| 2.499 % | -0.031 pp | |
| 2.530 % | +0.009 pp | |
| 2.521 % | 0.000 pp | |
| 2.521 % | -0.013 pp | |
| 2.534 % | +0.005 pp | |
| 2.529 % | +0.013 pp | |
| 2.516 % | +0.006 pp | |
| 2.510 % | -0.012 pp | |
| 2.522 % | -0.034 pp | |
| 2.556 % | +0.003 pp | |
| 2.553 % | +0.014 pp | |
| 2.539 % | +0.013 pp | |
| 2.526 % | -0.001 pp | |
| 2.527 % | -0.008 pp | |
| 2.535 % | +0.006 pp | |
| 2.529 % | -0.012 pp | |
| 2.541 % | -0.021 pp | |
| 2.562 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for February 2025?
2.525 %, computed from 20 daily fixings. The ECB's official monthly average is 2.525 %.
My mortgage revises with the February average – what rate applies?
Reference 2.525 % plus your contractual spread; with a 1 pp spread the new rate is 3.52 %. 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