National Rate Plus 75 Bps: 3 Month CD <100M
NDRRCACD • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2.14
Year-over-Year Change
-6.14%
Date Range
4/1/2021 - 7/1/2025
Summary
This economic indicator represents the national average rate for 3-month certificates of deposit (CDs) under $100,000, adjusted by adding 75 basis points. 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 3-month CDs is a benchmark that helps financial institutions and investors understand prevailing interest rate conditions for small-scale deposit products. Economists use this metric to gauge consumer savings opportunities and overall financial market liquidity.
Methodology
The rate is calculated by aggregating CD rates from a representative sample of U.S. financial institutions and then adding 75 basis points to provide a standardized reference point.
Historical Context
This indicator is frequently used by policymakers, financial analysts, and investors to assess short-term investment strategies and understand current monetary conditions.
Key Facts
- Represents average 3-month CD rates for deposits under $100,000
- Includes a 75 basis point adjustment for standardization
- Provides a snapshot of short-term savings market conditions
FAQs
Q: What does the 75 basis points represent in this rate?
A: The 75 basis points is an additional markup added to the base rate to create a standardized benchmark that provides a consistent reference point for financial analysis.
Q: How often is this rate updated?
A: The rate is typically updated weekly, reflecting current market conditions and changes in the broader financial landscape.
Q: Why is this rate important for consumers?
A: It helps consumers understand competitive CD rates and make informed decisions about short-term savings and investment strategies.
Q: How do banks use this rate?
A: Banks use this rate as a reference point for pricing their own CD products and understanding market-wide interest rate trends.
Q: What are the limitations of this rate?
A: The rate represents an average and may not reflect specific rates offered by individual banks, which can vary based on local market conditions and institutional strategies.
Related News
U.S. Trade Deficit Decreases As Businesses Anticipate Tariff Hikes
U.S. Trade Deficit Reaches Two-Year Low Amid Anticipated Tariff Hikes The recent announcement that the U.S. trade deficit has reached a two-year lo...
Gen Z In the U.S. Shifts From Spending To Saving Habits
How Gen Z's Shift from Spending to Saving is Impacting the US Economy Recent trends indicate a significant shift in the spending habits of Gen Z, w...
S&P 500 Rises With Optimistic U.S. Inflation Report
S&P 500 Soars: Positive U.S. Inflation Developments The S&P 500, a primary stock index that tracks the performance of 500 major U.S. companies, has...
U.S. Stock Market Futures Rise On Inflation and Tariff News
US Stock Market Futures Rise Amid Inflation Data and Tariff News US stock market futures are on the rise, driven by significant updates in inflatio...
U.S. Treasury Yields Decline After Inflation Data Meet Expectations
US Treasury Yields Drop as Inflation Data Meets Expectations US Treasury yields have seen a noticeable decline recently, as the latest inflation da...
U.S. Stock Market Rises Amid PCE Inflation Report Analysis
U.S. Stock Market Climbs Amidst Insights from PCE Inflation Report Investors in the U.S. stock market are focusing on the most recent PCE Inflation...
Related Trends
Citation
U.S. Federal Reserve, National Rate Plus 75 Bps: 3 Month CD <100M [NDRRCACD], retrieved from FRED.
Last Checked: 8/1/2025