National Rate Plus 75 Bps: 6 Month CD <100M
NDRRCA6MCD • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2.27
Year-over-Year Change
-11.33%
Date Range
4/1/2021 - 7/1/2025
Summary
This economic indicator tracks the average national interest rate for 6-month certificates of deposit (CDs) under $100,000, plus a 75 basis point premium. It provides insight into short-term savings rates and 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
The National Rate Plus 75 Bps for 6-month CDs represents a benchmark for consumer savings products and reflects current monetary policy environments. Economists use this metric to understand banking sector trends and potential investment opportunities.
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 indicator is used by policymakers, investors, and financial analysts to assess current interest rate environments and potential economic shifts.
Key Facts
- Represents average 6-month CD rates for deposits under $100,000
- Includes a 75 basis point premium above standard national rates
- Updated periodically to reflect current market conditions
FAQs
Q: What does this rate indicate about the economy?
A: The rate reflects current monetary conditions and potential investment returns for short-term savings products.
Q: How often is this rate updated?
A: The Federal Reserve typically updates this rate periodically, reflecting current market and economic conditions.
Q: Why is the 75 basis point premium significant?
A: The premium provides a buffer above standard rates, offering a more attractive return for potential investors.
Q: How do banks use this rate?
A: Banks use this benchmark to help determine competitive CD rates and align their offerings with market conditions.
Q: What limitations exist in this data?
A: The rate represents an average and may not precisely reflect individual bank offerings or specific market segments.
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Related Trends
Citation
U.S. Federal Reserve, National Rate Plus 75 Bps: 6 Month CD <100M [NDRRCA6MCD], retrieved from FRED.
Last Checked: 8/1/2025