Quarterly Financial Report: U.S. Corporations: All Retail Trade: Time Deposits in the U.S., Including Negotiable Certificates of Deposit
QFR202RETUSNO • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1,648.00
Year-over-Year Change
-53.47%
Date Range
10/1/2000 - 1/1/2025
Summary
This trend tracks time deposits and negotiable certificates of deposit for all retail trade corporations in the United States. It provides critical insights into short-term financial instrument 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 metric represents a key financial indicator measuring corporate cash management and investment strategies in time-based banking products. Economists use this data to understand corporate financial behavior, liquidity preferences, and potential economic signals.
Methodology
Data is collected through quarterly financial reporting by U.S. corporations, aggregated and standardized by federal economic tracking systems.
Historical Context
This trend is used by policymakers and financial analysts to assess corporate financial health, investment trends, and potential macroeconomic shifts.
Key Facts
- Tracks time deposit holdings for retail trade corporations
- Provides quarterly snapshot of corporate financial instrument preferences
- Offers insights into short-term investment strategies
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 surplus cash while maintaining relatively low-risk, liquid financial assets.
Q: How often is this data updated?
A: The Quarterly Financial Report is typically updated on a quarterly basis, providing current insights into corporate financial strategies.
Q: How do negotiable certificates of deposit differ 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.
Q: What economic signals can this trend reveal?
A: Changes in time deposit holdings can indicate corporate confidence, cash management strategies, and potential shifts in investment sentiment.
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Citation
U.S. Federal Reserve, Quarterly Financial Report: U.S. Corporations: All Retail Trade: Time Deposits in the U.S., Including Negotiable Certificates of Deposit [QFR202RETUSNO], retrieved from FRED.
Last Checked: 8/1/2025