National Rate Plus 75 Bps: 60 Month CD <100M
NDRRCA60MCD • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2.08
Year-over-Year Change
-4.30%
Date Range
4/1/2021 - 7/1/2025
Summary
This economic indicator tracks the national average interest rate for 60-month certificates of deposit (CDs) under $100 million, with a 75 basis point premium. It provides insight into short-to-medium term savings and lending rates across the U.S. banking system.
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 60-month CDs represents a benchmark for financial institutions' deposit rates, reflecting current market conditions and monetary policy influences. Economists use this metric to understand banking sector trends and potential shifts in consumer savings behavior.
Methodology
Data is collected through a comprehensive survey of financial institutions, aggregating CD rates and calculating a weighted national average with a 75 basis point premium.
Historical Context
This indicator is used by policymakers, investors, and financial analysts to assess banking sector health, interest rate trends, and potential economic signals.
Key Facts
- Represents national average CD rates for 60-month terms under $100 million
- Includes a 75 basis point premium above standard rates
- Provides insight into banking sector pricing and economic conditions
FAQs
Q: What does the 75 basis point premium indicate?
A: The 75 basis point premium represents an additional return above standard market rates, reflecting potential risk adjustments or competitive banking strategies.
Q: How often is this rate updated?
A: The rate is typically updated weekly, providing a current snapshot of national CD pricing and banking market conditions.
Q: Why are CDs under $100 million specifically tracked?
A: This range represents typical consumer and small business deposit accounts, offering a representative view of mainstream banking rates.
Q: How can investors use this information?
A: Investors can use this rate to compare potential returns on savings products and understand current market interest rate environments.
Q: What are the limitations of this indicator?
A: The rate represents an average and may not reflect specific local banking conditions or individual institution offerings.
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Related Trends
Citation
U.S. Federal Reserve, National Rate Plus 75 Bps: 60 Month CD <100M [NDRRCA60MCD], retrieved from FRED.
Last Checked: 8/1/2025