National Rate: 36 Month CD <100M
NDR36MCD • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1.34
Year-over-Year Change
-6.94%
Date Range
4/1/2021 - 7/1/2025
Summary
The National Rate for 36-Month Certificates of Deposit (CDs) under $100 million tracks the average interest rate offered by U.S. banks for this specific deposit product. This metric provides insight into short-to-medium term savings rates and reflects broader trends in banking and 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
This economic indicator represents the average yield on 36-month CDs across U.S. financial institutions for deposits less than $100 million. Economists and financial analysts use this rate to understand banking sector liquidity, consumer savings behavior, and potential interest rate movements.
Methodology
The rate is calculated by surveying a representative sample of U.S. banks and computing the arithmetic mean of their 36-month CD rates for deposits under $100 million.
Historical Context
This data point is crucial for understanding consumer investment options, bank funding strategies, and potential signals of economic conditions like inflation expectations and monetary policy.
Key Facts
- Represents average 36-month CD rates for deposits under $100 million
- Calculated by surveying multiple U.S. financial institutions
- Provides insight into short-to-medium term savings and banking trends
FAQs
Q: What does this rate indicate about the economy?
A: The rate can signal broader economic conditions like inflation expectations and monetary policy stance. Lower rates might indicate economic contraction, while higher rates could suggest economic expansion.
Q: How often is this rate updated?
A: The National Rate is typically updated weekly by the Federal Reserve, providing current insights into banking and financial market conditions.
Q: How do banks use this rate?
A: Banks use this benchmark to competitively price their own CD offerings and understand market-wide interest rate trends.
Q: Why is the $100 million threshold significant?
A: The threshold helps distinguish between retail and institutional banking rates, providing a more accurate representation of consumer banking conditions.
Q: Can individual investors use this data?
A: Yes, consumers can use this rate as a reference point when comparing CD rates and making personal investment decisions.
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Related Trends
Citation
U.S. Federal Reserve, National Rate: 36 Month CD <100M [NDR36MCD], retrieved from FRED.
Last Checked: 8/1/2025