Treasury Yield: 36 Month CD <100M
TY36MCD • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
3.68
Year-over-Year Change
-22.53%
Date Range
4/1/2021 - 7/1/2025
Summary
The Treasury Yield for 36-Month Certificates of Deposit (CDs) under $100 million represents the interest rate offered by banks for medium-term savings instruments. This metric provides insight into short-to-medium term investment returns and reflects broader economic conditions and monetary policy expectations.
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 trend is a key indicator of bank deposit rates and investor sentiment for fixed-income investments. Economists and financial analysts use it to gauge potential returns, assess economic stability, and understand current lending and savings market dynamics.
Methodology
The data is collected through surveys of financial institutions, tracking the average interest rates offered on 36-month CDs with balances less than $100 million.
Historical Context
This yield is used by policymakers, investors, and financial institutions to inform investment strategies, monetary policy decisions, and economic forecasting.
Key Facts
- Represents interest rates for medium-term bank deposits
- Reflects current economic conditions and monetary policy
- Useful for comparing investment opportunities across different financial instruments
FAQs
Q: What does the TY36MCD series represent?
A: It represents the average yield for 36-month Certificates of Deposit with balances under $100 million offered by financial institutions.
Q: How often is this data updated?
A: The data is typically updated weekly, providing current insights into bank deposit rates and market conditions.
Q: Why do investors care about this yield?
A: Investors use this yield to compare potential returns on fixed-income investments and assess overall economic trends.
Q: How does this yield relate to broader economic policy?
A: The yield reflects Federal Reserve monetary policy and provides insights into potential interest rate movements.
Q: What limitations exist in interpreting this data?
A: The yield represents a specific segment of bank deposits and should be considered alongside other economic indicators for comprehensive analysis.
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Related Trends
Citation
U.S. Federal Reserve, Treasury Yield: 36 Month CD <100M [TY36MCD], retrieved from FRED.
Last Checked: 8/1/2025