National Rate Cap: 36 Month CD <100M
NRC26MCD • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
5.17
Year-over-Year Change
-19.84%
Date Range
4/1/2021 - 7/1/2025
Summary
The National Rate Cap for 36-Month CDs under $100 million represents the maximum interest rate offered by banks for specific certificate of deposit products. This metric provides insights into banking sector pricing and overall interest rate environments.
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
This economic indicator tracks the ceiling rate for medium-term certificates of deposit in smaller financial institutions across the United States. Economists use this data to understand banking market conditions, interest rate trends, and potential monetary policy implications.
Methodology
The rate is calculated by the Federal Reserve based on aggregated data from financial institutions, representing the highest rates offered nationwide for this specific CD product.
Historical Context
This metric is crucial for analyzing banking sector competitiveness, investment strategies, and broader economic interest rate dynamics.
Key Facts
- Represents maximum interest rates for 36-month CDs under $100 million
- Calculated and tracked by the Federal Reserve
- Provides insight into banking sector pricing strategies
FAQs
Q: What does this rate indicate?
A: It shows the highest interest rates banks are offering for 36-month certificates of deposit under $100 million, reflecting current market conditions.
Q: How often is this rate updated?
A: The rate is typically updated weekly, providing current insights into banking market trends.
Q: Why is this rate important for investors?
A: It helps investors understand potential returns on medium-term, low-risk investments and compare rates across different financial institutions.
Q: How does this rate relate to broader economic conditions?
A: The rate reflects current monetary policy, inflation expectations, and overall economic health of the banking sector.
Q: Are there limitations to this data?
A: The rate represents a national average and may not reflect specific local or individual bank offerings.
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Citation
U.S. Federal Reserve, National Rate Cap: 36 Month CD <100M [NRC26MCD], retrieved from FRED.
Last Checked: 8/1/2025