National Rate Cap: 60 Month CD <100M
NRC60MCD • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
5.30
Year-over-Year Change
-14.82%
Date Range
4/1/2021 - 7/1/2025
Summary
The National Rate Cap for 60-Month CDs under $100 million represents the maximum interest rate offered by financial institutions for medium-term certificates of deposit. This metric provides critical insight into banking sector lending rates and overall 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
This economic indicator tracks the ceiling rate for certificates of deposit across U.S. financial institutions, reflecting current market interest rates and banking sector risk assessments. Economists and financial analysts use this data to understand monetary policy transmission and banking sector health.
Methodology
The rate is calculated by the Federal Reserve based on aggregated data from a representative sample of U.S. financial institutions, capturing the maximum rates offered for specific deposit products.
Historical Context
This trend is used by policymakers, investors, and financial strategists to assess lending environments, investment opportunities, and potential economic shifts.
Key Facts
- Represents maximum CD rates for deposits under $100 million
- Updated periodically to reflect current market conditions
- Provides insight into banking sector lending strategies
FAQs
Q: What does this rate indicate about the economy?
A: The rate reflects current lending conditions and potential economic growth expectations. Higher rates can suggest increased economic optimism or inflationary pressures.
Q: How often is this rate updated?
A: The National Rate Cap is typically updated weekly or monthly by the Federal Reserve to maintain current market accuracy.
Q: Why are 60-month CDs significant?
A: 60-month CDs represent a medium-term investment horizon, offering insights into longer-term financial market expectations and stability.
Q: How do investors use this rate?
A: Investors analyze this rate to compare potential returns, assess banking sector health, and make informed investment decisions.
Q: What limitations exist in this data?
A: The rate represents a national average and may not precisely reflect local or individual bank offerings. Regional variations can exist.
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Citation
U.S. Federal Reserve, National Rate Cap: 60 Month CD <100M [NRC60MCD], retrieved from FRED.
Last Checked: 8/1/2025