Treasury Yield: Rate Cap Adjusted: Savings
STYRCA • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
5.08
Year-over-Year Change
-16.45%
Date Range
4/1/2021 - 7/1/2025
Summary
The Treasury Yield: Rate Cap Adjusted: Savings (STYRCA) tracks the adjusted interest rates for savings instruments in the United States. This metric provides crucial insights into the cost of borrowing and potential returns for savers across different financial products.
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 represents the modified savings rates that account for regulatory caps and market conditions. Economists use STYRCA to understand the dynamics of interest rates, monetary policy effectiveness, and consumer financial incentives.
Methodology
The data is collected and calculated by the U.S. Federal Reserve, adjusting raw savings rates to reflect regulatory constraints and market realities.
Historical Context
Policymakers and financial analysts use this trend to assess monetary policy impact, banking sector health, and potential consumer saving behaviors.
Key Facts
- Represents adjusted savings rates in the U.S. financial system
- Accounts for regulatory caps and market conditions
- Critical indicator for understanding consumer financial incentives
FAQs
Q: What does STYRCA measure?
A: STYRCA measures adjusted savings rates that account for regulatory constraints and market conditions in the U.S. financial system.
Q: How often is STYRCA updated?
A: The data is typically updated periodically by the Federal Reserve, reflecting current market and regulatory environments.
Q: Why are adjusted savings rates important?
A: Adjusted rates provide a more accurate representation of actual returns, helping consumers and investors make informed financial decisions.
Q: How do policymakers use this data?
A: Policymakers analyze STYRCA to understand monetary policy effectiveness and potential impacts on consumer saving and spending behaviors.
Q: What limitations exist in this data?
A: The data represents a snapshot of rates and may not capture all nuanced market conditions or individual financial product variations.
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Related Trends
Citation
U.S. Federal Reserve, Treasury Yield: Rate Cap Adjusted: Savings [STYRCA], retrieved from FRED.
Last Checked: 8/1/2025