Small-Denomination Time Deposits: Total
STDSL • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1,060.30
Year-over-Year Change
-9.75%
Date Range
1/1/1959 - 6/1/2025
Summary
Small-Denomination Time Deposits represent a key indicator of consumer savings behavior and financial liquidity in the banking system. This metric tracks the total value of bank time deposits under $100,000, providing insights into short-term savings trends and potential economic sentiment.
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
Economists analyze this trend as a barometer of consumer financial confidence and potential investment strategies. The data reflects how individuals allocate funds between liquid accounts and time-based savings instruments, which can signal broader economic expectations.
Methodology
The Federal Reserve collects this data through comprehensive bank reporting systems that aggregate time deposit accounts across financial institutions.
Historical Context
Policymakers and financial analysts use this trend to assess consumer saving patterns, potential monetary policy impacts, and overall economic stability.
Key Facts
- Represents time deposits under $100,000 in U.S. banking system
- Indicates consumer savings behavior and financial confidence
- Tracked as a key economic indicator by Federal Reserve
FAQs
Q: What are small-denomination time deposits?
A: These are bank savings accounts with fixed terms and interest rates, typically under $100,000. They represent a form of structured savings with predetermined withdrawal conditions.
Q: Why do economists track this metric?
A: The trend provides insights into consumer financial behavior, savings rates, and potential economic sentiment. It helps predict potential shifts in consumer spending and investment strategies.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data weekly or monthly, providing a near-real-time view of banking and savings trends.
Q: How do time deposits differ from regular savings accounts?
A: Time deposits have fixed terms and typically offer higher interest rates in exchange for limited liquidity. Funds cannot be withdrawn without penalties before the term ends.
Q: What factors influence small-denomination time deposit levels?
A: Interest rates, economic uncertainty, inflation expectations, and overall consumer confidence significantly impact the volume of time deposits.
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Citation
U.S. Federal Reserve, Small-Denomination Time Deposits: Total [STDSL], retrieved from FRED.
Last Checked: 8/1/2025