Treasury Yield: 12 Month CD <100M
TY12MCD • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
3.96
Year-over-Year Change
-23.99%
Date Range
4/1/2021 - 7/1/2025
Summary
The Treasury Yield for 12-Month Certificates of Deposit (CDs) under $100 million represents the average interest rate paid on short-term bank deposits. This metric is a key indicator of short-term investment returns and provides insights into current market liquidity and monetary conditions.
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 yield reflects the interest rate banks offer for 12-month deposit products for smaller institutional and retail investors. Economists and financial analysts use this trend to gauge short-term investment attractiveness and potential shifts in banking sector strategies.
Methodology
The data is collected through comprehensive surveys of financial institutions, aggregating reported interest rates for 12-month CD products under $100 million.
Historical Context
This yield is used by policymakers, investors, and financial planners to assess short-term investment opportunities and understand current economic interest rate environments.
Key Facts
- Represents average interest rates for 12-month CDs under $100 million
- Provides insight into short-term investment market conditions
- Influenced by Federal Reserve monetary policy and economic indicators
FAQs
Q: How often does this yield change?
A: The yield can fluctuate weekly or monthly based on market conditions and Federal Reserve policies.
Q: Why do investors track this yield?
A: Investors use this yield to compare potential returns on short-term, low-risk investments like CDs against other financial instruments.
Q: How is this yield calculated?
A: The yield is calculated by averaging reported interest rates from multiple financial institutions for 12-month CD products.
Q: What impacts this yield?
A: Factors like inflation, Federal Reserve interest rate decisions, and overall economic conditions significantly influence this yield.
Q: Are these yields updated regularly?
A: Yes, these yields are typically updated weekly or monthly by the Federal Reserve to reflect current market conditions.
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Citation
U.S. Federal Reserve, Treasury Yield: 12 Month CD <100M [TY12MCD], retrieved from FRED.
Last Checked: 8/1/2025