National Rate: 60 Month CD <100M
NDR60MCD • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1.33
Year-over-Year Change
-6.56%
Date Range
4/1/2021 - 7/1/2025
Summary
The National Rate for 60 Month CDs under $100 Million represents the average interest rate offered by U.S. banks for certificates of deposit with a 60-month term and balance under $100 million. This metric provides insight into short-to-medium term savings rates and reflects broader 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
This economic indicator tracks the average CD rates across U.S. financial institutions, serving as a benchmark for fixed-income investment opportunities. Economists and financial analysts use this rate to understand current lending environments, bank liquidity, and potential investment returns.
Methodology
The rate is calculated by surveying a representative sample of U.S. banks and credit unions, averaging their 60-month CD rates for deposits under $100 million.
Historical Context
This trend is used by policymakers, investors, and financial planners to assess current savings and investment strategies in the broader economic landscape.
Key Facts
- Represents average 60-month CD rates for deposits under $100 million
- Provides insight into current banking and investment environments
- Tracked and reported by the U.S. Federal Reserve
FAQs
Q: What does NDR60MCD represent?
A: NDR60MCD is the Federal Reserve's code for the National Deposit Rate for 60-month Certificates of Deposit under $100 million.
Q: How often is this rate updated?
A: The rate is typically updated weekly, reflecting current market conditions and bank offerings.
Q: Why are CD rates important?
A: CD rates indicate current bank lending conditions and provide a benchmark for fixed-income investment opportunities.
Q: How do these rates impact consumers?
A: These rates help consumers understand potential returns on savings and compare investment options across different financial institutions.
Q: What factors influence CD rates?
A: CD rates are influenced by Federal Reserve monetary policy, inflation expectations, and overall economic conditions.
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Related Trends
Citation
U.S. Federal Reserve, National Rate: 60 Month CD <100M [NDR60MCD], retrieved from FRED.
Last Checked: 8/1/2025