National Rate Plus 75 Bps: 36 Month CD <100M
NDRRCA36MCD • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2.09
Year-over-Year Change
-4.57%
Date Range
4/1/2021 - 7/1/2025
Summary
This economic indicator tracks the national average interest rate for 36-month certificates of deposit (CDs) under $100 million, plus a 75 basis point premium. It provides insight into short-to-medium term banking rates and investment opportunities for consumers and financial institutions.
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 36-month CDs represents a benchmark interest rate that reflects current banking market conditions and lending expectations. Economists and financial analysts use this metric to understand potential returns on fixed-income investments and broader monetary trends.
Methodology
Data is collected from a representative sample of financial institutions across the United States, aggregated and calculated by the Federal Reserve.
Historical Context
This rate is crucial for understanding banking sector performance, investment strategies, and potential monetary policy implications.
Key Facts
- Represents national average CD rates with a 75 basis point premium
- Covers 36-month certificates of deposit under $100 million
- Provides insight into short-to-medium term banking market conditions
FAQs
Q: What does this rate indicate?
A: This rate shows the average interest rate for 36-month CDs across U.S. financial institutions, adjusted with a 75 basis point premium.
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 the 75 basis point premium significant?
A: The premium helps account for variations in bank rates and provides a more comprehensive view of potential investment returns.
Q: How can investors use this rate?
A: Investors can use this rate to compare potential CD returns and make informed decisions about short-to-medium term investments.
Q: What are the limitations of this rate?
A: The rate represents an average and may not reflect specific rates offered by individual banks or for unique financial products.
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Related Trends
Citation
U.S. Federal Reserve, National Rate Plus 75 Bps: 36 Month CD <100M [NDRRCA36MCD], retrieved from FRED.
Last Checked: 8/1/2025