Quarterly Financial Report: U.S. Corporations: All Other Retail Trade: Time Deposits in the U.S., Including Negotiable Certificates of Deposit
QFR202OTRUSNO • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1,504.00
Year-over-Year Change
-47.28%
Date Range
10/1/2000 - 1/1/2025
Summary
This economic indicator tracks time deposits and negotiable certificates of deposit for all other retail trade corporations in the United States. It provides insights into short-term financial holdings and liquidity strategies within the retail 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 trend represents financial assets held by retail corporations as a form of investment and cash management strategy. Economists analyze these deposits to understand corporate financial behavior, liquidity preferences, and potential economic signals.
Methodology
Data is collected through quarterly financial reporting by corporations, compiled and standardized by federal economic research institutions.
Historical Context
This metric is used by policymakers and financial analysts to assess corporate financial health, investment trends, and potential economic indicators.
Key Facts
- Represents time deposits for non-specialized retail trade corporations
- Provides quarterly snapshot of corporate financial asset management
- Reflects short-term investment strategies in the retail sector
FAQs
Q: What are time deposits?
A: Time deposits are bank accounts with a fixed term and typically higher interest rates compared to standard savings accounts. They require funds to remain untouched for a specified period.
Q: Why do corporations use time deposits?
A: Corporations use time deposits to earn higher interest rates on excess cash while maintaining relatively low-risk financial positions. These deposits provide a conservative investment strategy for short-term funds.
Q: How often is this data updated?
A: The Quarterly Financial Report is typically updated on a quarterly basis, providing a consistent and periodic view of corporate financial holdings.
Q: What does this trend indicate about the retail sector?
A: This trend can signal the financial health, cash management strategies, and investment confidence of retail corporations. Fluctuations may reflect broader economic conditions.
Q: Are negotiable certificates of deposit different from standard time deposits?
A: Negotiable certificates of deposit can be sold in secondary markets before maturity, offering more flexibility compared to traditional time deposits.
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Citation
U.S. Federal Reserve, Quarterly Financial Report: U.S. Corporations: All Other Retail Trade: Time Deposits in the U.S., Including Negotiable Certificates of Deposit [QFR202OTRUSNO], retrieved from FRED.
Last Checked: 8/1/2025