Booklet A, LEP, Cel: the official interest rates of your savings on February 1, 2025

The yields of regulated savings booklets drop from February 1. These interest rates have just been published in the Official Journal. Panorama of the remuneration of your booklets until July 31, 2025.

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It’s official. The remuneration of your savings will fall from this Saturday, February 1. The new yields of your regulated savings booklets – Livret A, LEP, LDDS, Cel – were published this Thursday, January 30, at Official Journal. A publication which acts the decrease in interest rates Of all these savings products, caused by the reflux of inflation in the second half of 2024. So how much your booklets will bring you between February 1 and August 1, 2025, date of the next revision of their rate D ‘interest ? Overview of the remuneration of your savings.

The rate of the booklet has tumbled at 2.4%

After 18 months of 3%frost, the yield of the favorite booklet of the French – with 57 million holders – Fall at 2.4%. The result of the strict application of the calculation formula defining the rate of this product, namely the average on the one hand of inflation excluding annual tobacco observed between the months of July and December (1.38%) and In other words interbank rates over the same period (3.41%). Consequence: with a booklet completed on the ceiling of 22,950 euros, you will only receive 45.90 euros of monthly interest, against 57.4 euros in January, when the return of booklet A was still 3%.

Note that this remuneration also applies to Sustainable and solidarity development booklet (LDDS), since the rate of the latter is still identical to that of booklet A. On the ceiling of 12,000 euros on a LDDS, its holder will now receive 24 euros per month, against 30 euros in January 2025.

The rate of LEP preserved at 3.5%

Still 6.10% on February 1, 2023, the return on the popular savings book (LEP) has continued to retreat since reaching 4% on August 1, 2024. This rate decreases again As of February 1, 2025, at 3.5%. But the fall should have been more accentuated, since the formula for calculating the remuneration of THE P led to 2.9%, the rate of the booklet enhanced by 0.5 points. Fortunately for his holders, the governor of the Banque de France and Bercy have agreed with a new boost for the LEP, in order to promote his democratization with households with modest income.

Cel rate at 1.50% gross

Bad news for holders of a housing savings account (Cel). The yield of this product being indexed to that of booklet A – It is equal to two thirds of its rounded rate at the closest quarter -, the remuneration of the CEL falls from 2% to 1.5%. And beware, this percentage is gross: after the social security contributions of 17.2%, it appears at best at 1.24% net for non -taxable taxpayers. In the payment ceiling of 15,300 euros, an CEL only pays 15.8 euros per month to its holder. For a taxable person subject to Flat tax of 30%the net interest rate fell to 1.05%. This taxpayer will receive 13.4 euros of monthly interest from February 1, 2025.