National Rate Plus 75 Bps: 1 Month CD <100M
NDRRCA1MCD • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
0.98
Year-over-Year Change
0.00%
Date Range
4/1/2021 - 7/1/2025
Summary
The National Rate Plus 75 Bps: 1 Month CD <100M represents a benchmark interest rate for short-term certificates of deposit under $100 million. This metric provides insight into current banking deposit rates and serves as an important indicator of short-term 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 interest rate for one-month certificates of deposit across U.S. financial institutions, adjusted with a 75 basis point premium. Economists and financial analysts use this rate to understand current lending environments and potential investment opportunities.
Methodology
The rate is calculated by aggregating CD rates from multiple financial institutions and applying a standardized methodology to determine the average plus 75 basis points.
Historical Context
This metric is utilized by policymakers, investors, and financial strategists to assess short-term investment yields and broader monetary market conditions.
Key Facts
- Represents one-month CD rates for deposits under $100 million
- Includes a 75 basis point premium above standard rates
- Provides a standardized view of short-term deposit market conditions
FAQs
Q: What does the 75 basis points represent?
A: The 75 basis points is a premium added to the base rate to provide a more comprehensive view of market conditions. This adjustment helps account for variations across different financial institutions.
Q: How often is this rate updated?
A: The National Rate is typically updated weekly, reflecting current market conditions and changes in short-term lending environments.
Q: Why is this rate important for investors?
A: This rate helps investors understand potential returns on short-term deposits and compare rates across different financial institutions. It serves as a benchmark for comparing investment opportunities.
Q: How does this rate relate to Federal Reserve policy?
A: The rate reflects broader monetary policy trends and can indicate the Federal Reserve's approach to managing short-term lending and deposit markets.
Q: What limitations exist in this data?
A: The rate represents an average and may not precisely reflect rates at individual banks. It provides a general market view rather than specific institutional offerings.
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Related Trends
Citation
U.S. Federal Reserve, National Rate Plus 75 Bps: 1 Month CD <100M [NDRRCA1MCD], retrieved from FRED.
Last Checked: 8/1/2025