It’s official: the rate of the booklet dropped to 1.70% from this Friday, August 1. That of the LEP increased to 2.70%. Here are all the new rates of regulated savings.
What rates for booklet A and LEP?
It was expected, it is confirmed. The governor of the Banque de France, responsible every 6 months, to calculate the new rates of regulated savings products, recommended strictly applying the formula for booklet A. A proposal accepted by the Minister of Economy this Wednesday, and therefore official.
No boost, therefore, for the rate of the savings product most held by the French, who Pass from 2.40% to 1.70% since Friday, August 1. “The fixing of the rate of booklet A at 1.7% will continue (…) to protect the purchasing power of its holders (…)”, reassures the Banque de France, however in a press release.
This new rate, in fact, remains quite higher than inflation, around 1% currently. The objective is twofold: encourage the French to consume a little more and allow the social housing sector, which is financed thanks to booklet A, to benefit from lower rates and therefore to borrow more.
“The highest drop in the rate of the booklet A for 15 years”: what impact on your interests 2025?
Regarding the LEP, the Banque de France, however, recommended the boost, as it now does each update. Proposal, there too, accepted by the Minister of the Economy. Its rate should have dropped to 2.20%, half a point above booklet A, as the calculation formula wants.
“The conditions of eligibility for the detention of this booklet make it the real support of popular savings and, in the continuity of the actions taken in its favor, the governor offers a significant boost of + 0.50 percentage point compared to the rate of the formula”, justifies the press release from the Banque de France. Either a new rate of 2.70%, a point above the booklet Abut in sharp decline of 0.80 points.
“A shortfall of 146 euros”: this is what the drop in LEP rate will cost you in 2025
What rates for LDDS or CEL?
The rate of the Sustainable and Solidarity Development Booklet (LDDS) and the Epargne housing account (CEL) are indexed to that of the booklet A. The LDDS So go to 1,70%. For the THEwhose rate corresponds to two thirds of the yield of the booklet A rounded to the nearest quarter of a point, Its rate is set at 1.25%.
For them Young bookletsit is the banks that each decide on the rate offered to their customers. The minimum rate is however the yield of booklet A: it will therefore be at least 1.70% for young booklets from August 1, 2025.
Official rates from August 1
- Booklet A: 1.70%
- Sustainable and solidarity development booklet (LDDS): 1.70%
- Blue Credit Mutuel booklet: 1.70%
- Popular savings book (LEP): 2.70%
- Housing savings account (CEL): 1.25% gross (interests subject to social security contributions but also income tax on CEL open since 2018)
What interest on interest? Recall that the booklet A (and therefore the Blue Crédit Mutuel booklet), the LEP, the Young Booklet and the LDDS are fully tax -term: no tax or levy on annual interest. On the other hand, CEL is subject to flat tax (12.8% income tax and 17.2% of social contributions).
