Liabilities: Deposits: Term Deposits Held by Depository Institutions
LDTDHDI • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
0.00
Year-over-Year Change
N/A%
Date Range
12/18/2002 - 4/11/2018
Summary
This economic indicator tracks term deposits held by depository institutions, reflecting the volume of longer-term financial commitments within the banking system. These deposits represent a critical measure of bank liquidity and financial institution investment strategies.
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
Term deposits are time-based financial instruments where banks hold funds for a specified period, typically at a fixed interest rate. Economists analyze these deposits as a signal of banking sector confidence, potential lending capacity, and broader monetary conditions.
Methodology
Data is collected through regulatory reporting requirements from financial institutions to the Federal Reserve.
Historical Context
This metric is used by policymakers and central bankers to assess banking system stability and potential monetary policy interventions.
Key Facts
- Term deposits represent funds committed for a specific time period
- These deposits provide banks with stable, predictable funding sources
- The volume can indicate broader economic and banking sector health
FAQs
Q: What are term deposits?
A: Term deposits are bank accounts with a fixed deposit period and typically higher interest rates compared to standard savings accounts.
Q: Why do banks hold term deposits?
A: Banks use term deposits to secure stable funding, manage liquidity, and plan longer-term financial strategies.
Q: How often is this data updated?
A: The LDTDHDI series is typically updated weekly or monthly by the Federal Reserve.
Q: How do term deposits impact monetary policy?
A: Term deposit levels can influence central bank decisions about interest rates and overall monetary strategy.
Q: What limitations exist in this data?
A: The data represents a snapshot and may not capture real-time changes in banking sector dynamics.
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Citation
U.S. Federal Reserve, Liabilities: Deposits: Term Deposits Held by Depository Institutions [LDTDHDI], retrieved from FRED.
Last Checked: 8/1/2025