Demand Deposits
Monthly, Seasonally Adjusted
DEMDEPSL • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
5,648.50
Year-over-Year Change
8.91%
Date Range
1/1/1959 - 6/1/2025
Summary
This economic indicator tracks monthly, seasonally adjusted demand deposits in the United States banking system. It provides critical insights into liquidity, consumer financial behavior, and potential economic activity trends.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
Demand deposits represent immediately accessible funds in checking accounts that can be withdrawn without prior notice. Economists analyze these deposits as a key indicator of short-term financial liquidity and potential consumer spending patterns.
Methodology
Data is collected by the Federal Reserve through comprehensive banking system reporting and statistically adjusted to remove seasonal variations.
Historical Context
This metric is used by policymakers and financial analysts to assess monetary circulation, economic health, and potential shifts in consumer financial strategies.
Key Facts
- Represents immediately accessible bank account funds
- Seasonally adjusted to provide accurate comparative data
- Reflects potential consumer spending and economic momentum
FAQs
Q: What are demand deposits?
A: Demand deposits are funds in checking accounts that can be withdrawn immediately without advance notice. They represent liquid assets readily available to account holders.
Q: Why are demand deposits important?
A: They indicate potential consumer spending power and provide insights into economic liquidity and financial system health.
Q: How often is this data updated?
A: The data is typically updated monthly with seasonal adjustments to ensure accurate economic analysis.
Q: Who uses this economic indicator?
A: Economists, financial analysts, policymakers, and researchers use this data to understand economic trends and monetary circulation.
Q: What are the limitations of this indicator?
A: While informative, demand deposits alone cannot provide a complete picture of economic conditions and should be analyzed alongside other financial metrics.
Related News
Gen Z In the U.S. Shifts From Spending To Saving Habits
How Gen Z's Shift from Spending to Saving is Impacting the US Economy Recent trends indicate a significant shift in the spending habits of Gen Z, w...
S&P 500 Rises With Optimistic U.S. Inflation Report
S&P 500 Soars: Positive U.S. Inflation Developments The S&P 500, a primary stock index that tracks the performance of 500 major U.S. companies, has...
U.S. Stock Market Futures Rise On Inflation and Tariff News
US Stock Market Futures Rise Amid Inflation Data and Tariff News US stock market futures are on the rise, driven by significant updates in inflatio...
U.S. Treasury Yields Decline After Inflation Data Meet Expectations
US Treasury Yields Drop as Inflation Data Meets Expectations US Treasury yields have seen a noticeable decline recently, as the latest inflation da...
U.S. Stock Market Rises Amid PCE Inflation Report Analysis
U.S. Stock Market Climbs Amidst Insights from PCE Inflation Report Investors in the U.S. stock market are focusing on the most recent PCE Inflation...
U.S. Stock Futures Stagnant Despite Positive Jobless Claims and GDP
Why US Stock Futures Remain Stagnant Despite Positive Economic Indicators The current investment landscape is puzzling for many as US stock futures...
Related Trends
Citation
U.S. Federal Reserve, Monthly, Seasonally Adjusted [DEMDEPSL], retrieved from FRED.
Last Checked: 8/1/2025