Treasury Yield: Savings
STY • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
4.33
Year-over-Year Change
-18.76%
Date Range
4/1/2021 - 7/1/2025
Summary
The Treasury Yield: Savings (STY) tracks the interest rates that the U.S. Treasury offers on savings instruments, reflecting the government's borrowing costs and investment returns. This metric is crucial for understanding the current economic environment, investment strategies, and potential returns for individual and institutional investors.
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 STY represents the yield or interest rate paid by the U.S. Treasury on various savings and investment vehicles, including Treasury bills, notes, and bonds. Economists and financial analysts use this trend to gauge economic health, inflation expectations, and monetary policy implications.
Methodology
Data is collected and calculated by the U.S. Treasury Department through daily market transactions and auction results of government securities.
Historical Context
The STY is used by the Federal Reserve, policymakers, and investors to make decisions about monetary policy, investment allocations, and economic forecasting.
Key Facts
- STY reflects the current interest rates on government savings instruments
- Yields vary based on maturity and current economic conditions
- Provides insight into investor sentiment and economic expectations
FAQs
Q: How do Treasury yields impact individual investors?
A: Treasury yields directly influence savings account rates and bond investment returns. Higher yields can provide better returns for conservative investors seeking low-risk options.
Q: What factors influence Treasury yields?
A: Inflation expectations, Federal Reserve monetary policy, economic growth projections, and global economic conditions significantly impact Treasury yields.
Q: How often are Treasury yields updated?
A: Treasury yields are updated daily during market trading hours, reflecting real-time changes in economic conditions and investor sentiment.
Q: Why do investors watch Treasury yields?
A: Investors use Treasury yields as a benchmark for assessing risk and potential returns across different investment classes, including stocks, bonds, and other financial instruments.
Q: What are the limitations of using STY data?
A: While valuable, STY data represents a snapshot of current conditions and should be considered alongside other economic indicators for comprehensive analysis.
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Related Trends
Citation
U.S. Federal Reserve, Treasury Yield: Savings [STY], retrieved from FRED.
Last Checked: 8/1/2025