The Central Bank of Russia published its December 2025 monitoring results for maximum interest rates on Russian ruble household deposits at the 10 credit institutions attracting the largest volume of household deposits, reporting an average maximum rate of 15.63% for the first 10 days of December. The average maximum rate is calculated as the arithmetic mean of each bank’s maximum publicly available deposit rate, excluding offers limited to special client categories or purposes, products with compound interest, rates conditional on meeting requirements (such as card turnover or minimum balances), combined deposit products with additional conditions (including investment or insurance-linked requirements), and deposits with stepped rates across sub-periods. For reference, the Bank of Russia reported average maximum rates by maturity of 15.02% (up to 90 days), 15.24% (91–180 days), 14.47% (181 days to one year), and 12.42% (over one year).
Central Bank of Russia 2025-12-16
Central Bank of Russia reports 15.63% average maximum ruble deposit rate for top 10 banks in early December 2025 monitoring
The Central Bank of Russia reported an average maximum interest rate of 15.63% for Russian ruble household deposits at the 10 largest credit institutions for the first 10 days of December 2025. The rates, calculated as an arithmetic mean, exclude special client offers and products with additional conditions. Rates by maturity were 15.02% for up to 90 days, 15.24% for 91–180 days, 14.47% for 181 days to one year, and 12.42% for over one year.