National Rate Plus 75 Bps: 12 Month CD <100M
NDRRCA12MCD • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2.38
Year-over-Year Change
-8.46%
Date Range
4/1/2021 - 7/1/2025
Summary
This economic indicator tracks the average annual percentage yield for 12-month certificates of deposit (CDs) with balances under $100,000, adjusted by adding 75 basis points to the national rate. It provides insight into short-term savings rates and reflects broader interest rate trends in the banking sector.
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
The National Rate Plus 75 Bps for 12-month CDs represents a standardized measure of deposit rates that helps financial institutions and investors understand competitive savings and investment opportunities. Economists use this metric to gauge consumer savings behavior and potential shifts in monetary policy.
Methodology
The data is collected through a comprehensive survey of financial institutions, calculating the average CD rates and then adding 75 basis points to provide a benchmark rate.
Historical Context
This indicator is used by policymakers, financial analysts, and investors to assess banking sector dynamics and potential investment strategies.
Key Facts
- Represents average 12-month CD rates for deposits under $100,000
- Includes a 75 basis point premium to the standard national rate
- Provides a standardized benchmark for short-term savings rates
FAQs
Q: What does the 75 basis points represent?
A: The 75 basis points is an additional premium added to the standard national rate to provide a more competitive benchmark for CD rates.
Q: How often is this rate updated?
A: The rate is typically updated weekly, reflecting current market conditions and banking sector trends.
Q: Why is this rate important for consumers?
A: It helps consumers understand competitive savings rates and potential returns on short-term deposits across different financial institutions.
Q: How do economists use this data?
A: Economists analyze this rate to understand consumer savings behavior, banking sector health, and potential monetary policy implications.
Q: What limitations exist in this data?
A: The rate is an average and may not reflect specific rates at individual banks or for unique account types.
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Related Trends
Citation
U.S. Federal Reserve, National Rate Plus 75 Bps: 12 Month CD <100M [NDRRCA12MCD], retrieved from FRED.
Last Checked: 8/1/2025