National Rate Plus 75 Bps: 48 Month CD <100M
NDRRCP48MCD • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2.01
Year-over-Year Change
-4.74%
Date Range
4/1/2021 - 7/1/2025
Summary
This economic indicator tracks the national average interest rate for 48-month certificates of deposit (CDs) under $100 million, plus a 75 basis point premium. It provides insight into short-to-medium term banking and investment rates across the United States.
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 metric represents a standardized measure of CD rates that helps financial institutions and investors understand prevailing market conditions for time deposits. Economists use this rate as a benchmark for comparing banking product pricing and assessing overall financial market liquidity.
Methodology
Data is collected through a comprehensive survey of financial institutions by the Federal Reserve, aggregating CD rates from banks and credit unions nationwide.
Historical Context
This rate is crucial for monetary policy analysis, investment strategy planning, and understanding broader trends in banking sector pricing and consumer financial opportunities.
Key Facts
- Represents national average CD rates with a 75 basis point premium
- Covers certificates of deposit under $100 million with 48-month terms
- Provides standardized insight into short-to-medium term banking rates
FAQs
Q: What does the 75 basis point premium represent?
A: The 75 basis point premium is an additional percentage added to the base rate to provide a more comprehensive view of market conditions. It helps account for variations and potential market premiums.
Q: How often is this rate updated?
A: The Federal Reserve typically updates these rates weekly, providing current and dynamic information about banking product pricing across the United States.
Q: Why are CDs under $100 million specifically tracked?
A: This range represents typical consumer and small business investment levels, making it a meaningful indicator of broader financial market conditions.
Q: How can investors use this rate?
A: Investors can use this rate to compare current CD offerings, assess potential returns, and make informed decisions about short-to-medium term investments.
Q: What are the limitations of this data?
A: The rate represents an average and may not reflect specific local market conditions or individual bank offerings. Individual CD rates can vary based on multiple factors.
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Citation
U.S. Federal Reserve, National Rate Plus 75 Bps: 48 Month CD <100M [NDRRCP48MCD], retrieved from FRED.
Last Checked: 8/1/2025