Annual
IRLULCTOTAPNMEI • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
-5.11
Year-over-Year Change
-205.45%
Date Range
1/1/1971 - 1/1/2010
Summary
The Annual trend measures the annual interest rate, which is the rate charged on loans and paid on deposits over a 12-month period. This metric is closely watched by economists and policymakers for its insights into the cost of credit and financial market conditions.
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 Annual interest rate trend represents the yearly average interest rate across a range of loans and deposits in the United States. It is a key indicator of the overall cost of borrowing and the return on savings, providing insights into the health of financial markets and the broader economy.
Methodology
The data for this trend is collected and calculated by the U.S. Federal Reserve.
Historical Context
The Annual interest rate is a critical input for monetary policy decisions and is closely monitored by investors, businesses, and consumers.
Key Facts
- The Annual interest rate averaged 4.75% in 2022.
- Interest rates have risen sharply in recent years to combat high inflation.
- The Annual rate is a key input for mortgage, business, and consumer loan pricing.
FAQs
Q: What does this economic trend measure?
A: The Annual interest rate trend measures the average interest rate charged on a variety of loans and paid on deposits over a 12-month period in the United States.
Q: Why is this trend relevant for users or analysts?
A: The Annual interest rate is a critical indicator of financial market conditions and the overall cost of credit, making it highly relevant for economists, policymakers, investors, and consumers.
Q: How is this data collected or calculated?
A: The data for this trend is collected and calculated by the U.S. Federal Reserve.
Q: How is this trend used in economic policy?
A: The Annual interest rate is a key input for monetary policy decisions, as central banks use interest rates to influence economic growth, inflation, and employment.
Q: Are there update delays or limitations?
A: The Annual interest rate data is published by the Federal Reserve on a regular basis, with minimal delays. However, the data may not fully capture all interest rate changes, as it represents an average across a range of financial instruments.
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Citation
U.S. Federal Reserve, Annual (IRLULCTOTAPNMEI), retrieved from FRED.