The Central Bank of Russia published its January 2026 monitoring results for the average maximum interest rate on Russian-ruble household deposits offered by the 10 credit institutions attracting the largest volume of household deposits. The average maximum rate fell from 15.10% in the first 10 days of January to 14.88% in the second 10 days. The calculation is based on maximum rates available to any client without limitations or preliminary conditions, excluding special-category and purpose-linked deposits, compound rates, rates contingent on conditions (such as card turnover or minimum balances), combined deposit products tied to additional purchases or services, and deposits with maturities split into periods with varying rates. For reference, the average maximum rates by maturity were 14.20% (up to 90 days), 14.58% (91–180 days), 13.84% (181 days to one year), and 12.05% (over one year), based on rates posted on the websites of Sberbank, VTB Bank, Gazprombank, Alfa-Bank, Rosselkhozbank, Bank DOM.RF, Credit Bank of Moscow, TBank, Promsvyazbank, and Sovcombank.
Central Bank of Russia 2026-01-26
Central Bank of Russia reports January drop in maximum ruble deposit rates at the top 10 deposit-taking banks
The Central Bank of Russia reported a decrease in the average maximum interest rate on Russian-ruble household deposits from 15.10% to 14.88% in January 2026, based on data from the top 10 credit institutions. Rates varied by maturity, with averages of 14.20% for up to 90 days, 14.58% for 91–180 days, 13.84% for 181 days to one year, and 12.05% for over one year.