Large Time Deposits, All Commercial Banks
H8B1072NCBCMG • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
9.10
Year-over-Year Change
-533.33%
Date Range
2/1/1973 - 6/1/2025
Summary
Large Time Deposits represent the total value of time deposit accounts held at commercial banks, which are fixed-term savings instruments typically offering higher interest rates. This metric provides insights into bank liquidity, consumer savings behavior, and potential shifts in monetary policy.
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
The trend tracks the aggregate value of time deposits across all commercial banks in the United States, reflecting depositor preferences and financial institutions' funding strategies. Economists analyze these deposits as an indicator of consumer financial sentiment and potential economic transitions.
Methodology
Data is collected through mandatory bank reporting to the Federal Reserve, aggregating time deposit balances from commercial banking institutions nationwide.
Historical Context
Policymakers and financial analysts use this trend to assess banking sector health, potential investment flows, and broader economic liquidity conditions.
Key Facts
- Time deposits typically have fixed terms ranging from several months to years
- Higher balances can indicate increased consumer savings or economic uncertainty
- Interest rates on these deposits fluctuate with broader monetary policy conditions
FAQs
Q: What are large time deposits?
A: Large time deposits are bank savings accounts with fixed terms and typically higher interest rates compared to standard checking accounts. They require depositors to leave funds untouched for a predetermined period.
Q: How do time deposits impact the economy?
A: Time deposits provide banks with stable funding sources and can influence lending capacity. They also reflect consumer financial strategies and potential economic expectations.
Q: How often is this data updated?
A: The Federal Reserve typically updates large time deposit data weekly, providing current insights into banking sector dynamics.
Q: Why do banks offer time deposits?
A: Banks use time deposits to secure longer-term, predictable funding for lending activities while offering customers higher interest rates than standard savings accounts.
Q: What limitations exist in interpreting this data?
A: Time deposit trends can be influenced by multiple factors including interest rates, economic conditions, and individual bank strategies, requiring nuanced interpretation.
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
Consumer Loans: Other Consumer Loans, All Commercial Banks
H8B3248NCBCAG
Loans Secured by Real Estate, Banks Not Among the 100 Largest in Size by Assets
ALSREOB
Total Assets, Interest-Earning, All Loans and Leases, Gross, Secured by Real Estate, Single-Family (1 to 4 Family) Residential Mortgages, Booked in Domestic Offices, Banks Ranked 1st to 100th Largest in Size by Assets
TAIEALLGSRESFRMT100EP
Residual (Assets Less Liabilities), All Commercial Banks
H8B1091NCBCMG
Real Estate Loans, All Commercial Banks
H8B1026NCBCMG
Loans Secured by Real Estate, Banks Ranked 1st to 100th Largest in Size by Assets
ALSRET100
Citation
U.S. Federal Reserve, Large Time Deposits, All Commercial Banks [H8B1072NCBCMG], retrieved from FRED.
Last Checked: 8/1/2025