National Rate Plus 75 Bps: Money Market <100M
MMNDRRCA • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1.34
Year-over-Year Change
-4.96%
Date Range
4/1/2021 - 7/1/2025
Summary
The National Rate Plus 75 Bps: Money Market <100M represents a key benchmark interest rate for money market accounts with balances under $100 million. This metric provides insights into short-term lending rates and overall financial market liquidity.
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 tracks the average interest rate for money market accounts, adjusted by adding 75 basis points to the national rate. Economists use this metric to understand short-term borrowing costs and assess financial market conditions.
Methodology
The rate is calculated by the Federal Reserve using aggregated data from financial institutions across the United States.
Historical Context
Policymakers and investors use this rate to gauge monetary policy implications and make informed investment decisions.
Key Facts
- Represents money market rates for accounts under $100 million
- Includes a 75 basis point premium over the national rate
- Provides insight into short-term lending market conditions
FAQs
Q: What does this rate indicate about the financial market?
A: The rate reflects current short-term borrowing costs and provides insights into overall financial market liquidity and monetary conditions.
Q: How often is this rate updated?
A: The Federal Reserve typically updates this rate periodically, with frequency depending on market conditions and monetary policy changes.
Q: Why add 75 basis points to the national rate?
A: The additional 75 basis points helps account for market variations and provides a more nuanced view of money market rates for smaller accounts.
Q: How do investors use this rate?
A: Investors use this rate to compare potential returns on short-term investments and assess current market lending conditions.
Q: What are the limitations of this rate?
A: The rate represents an average and may not precisely reflect individual financial institution offerings or specific market segments.
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Citation
U.S. Federal Reserve, National Rate Plus 75 Bps: Money Market <100M [MMNDRRCA], retrieved from FRED.
Last Checked: 8/1/2025