National Rate: 48 Month CD <100M
NDR48MCD • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1.26
Year-over-Year Change
-7.35%
Date Range
4/1/2021 - 7/1/2025
Summary
The National Rate for 48 Month CDs under $100 Million represents the average interest rate offered by U.S. financial institutions for certificates of deposit with a 48-month term and a balance below $100 million. This metric provides insight into short-to-medium term savings rates and reflects broader monetary policy and 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
This economic indicator tracks the average CD rates across U.S. banks, serving as a benchmark for fixed-income investment opportunities. Economists and financial analysts use this rate to understand current lending environments, consumer savings potential, and overall financial market sentiment.
Methodology
The rate is calculated by surveying a representative sample of U.S. financial institutions and computing the arithmetic mean of their 48-month CD rates for deposits under $100 million.
Historical Context
This trend is utilized by policymakers, investors, and financial planners to assess investment strategies, compare banking products, and gauge economic liquidity.
Key Facts
- Represents average 48-month CD rates for deposits under $100 million
- Reflects current banking and monetary market conditions
- Important indicator for investment and financial planning
FAQs
Q: How often is this rate updated?
A: The National Rate is typically updated weekly by the Federal Reserve, reflecting current market conditions and banking trends.
Q: Why are 48-month CDs significant?
A: 48-month CDs offer a medium-term investment option with typically higher interest rates compared to shorter-term certificates of deposit.
Q: How do these rates relate to Federal Reserve policy?
A: CD rates are directly influenced by Federal Reserve monetary policy, particularly changes in the federal funds rate.
Q: Can individual investors use this data?
A: Investors can use this rate as a benchmark to compare CD offerings from different banks and make informed investment decisions.
Q: What are the limitations of this data?
A: The rate represents an average and may not reflect specific rates offered by individual banks or for unique account types.
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Related Trends
Citation
U.S. Federal Reserve, National Rate: 48 Month CD <100M [NDR48MCD], retrieved from FRED.
Last Checked: 8/1/2025