Flexible Rate on Seasonal Credit in Federal Reserve District 8: St. Louis
FLEXSC • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
4.35
Year-over-Year Change
0.00%
Date Range
1/9/1992 - 8/7/2025
Summary
The Flexible Rate on Seasonal Credit (FLEXSC) tracks the specialized lending rate for seasonal borrowing in the St. Louis Federal Reserve District. This metric provides insights into short-term credit conditions for seasonal businesses and agricultural enterprises.
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
This economic indicator represents a flexible borrowing rate designed to support seasonal credit needs in specific economic sectors. Economists use it to understand regional credit market dynamics and seasonal financial adaptability.
Methodology
The rate is calculated by the Federal Reserve Bank of St. Louis based on current lending conditions and seasonal economic requirements.
Historical Context
Policymakers and financial analysts use this data to assess regional credit market flexibility and support for seasonal economic activities.
Key Facts
- Specifically applies to the St. Louis Federal Reserve District
- Designed to support seasonal business credit needs
- Part of the Federal Reserve's regional lending mechanisms
FAQs
Q: What types of businesses typically use seasonal credit?
A: Agricultural businesses, tourism-related enterprises, and seasonal retailers often rely on seasonal credit to manage cash flow during peak and off-peak periods.
Q: How does seasonal credit differ from standard bank loans?
A: Seasonal credit offers more flexible terms tailored to businesses with cyclical revenue patterns, typically with shorter repayment periods.
Q: How is the FLEXSC rate determined?
A: The rate is set by the Federal Reserve Bank of St. Louis based on current economic conditions, regional credit market dynamics, and seasonal economic needs.
Q: Why is regional variation important in seasonal credit?
A: Different regions have unique economic cycles, so localized credit rates can better address specific seasonal business requirements.
Q: How often is the FLEXSC rate updated?
A: The rate is typically reviewed and adjusted periodically to reflect current economic conditions and lending market changes.
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Citation
U.S. Federal Reserve, Flexible Rate on Seasonal Credit in Federal Reserve District 8: St. Louis [FLEXSC], retrieved from FRED.
Last Checked: 8/1/2025