Treasury Yield: 3 Month CD <100M
TY3MCD • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
4.41
Year-over-Year Change
-19.23%
Date Range
4/1/2021 - 7/1/2025
Summary
The Treasury Yield for 3-Month Certificates of Deposit (CDs) under $100 million represents the interest rate paid on short-term deposit instruments issued by banks. This metric is a critical indicator of short-term lending rates and provides insights into current monetary conditions and market 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 reflects the current short-term interest rate environment for small-scale investors and serves as a benchmark for comparable short-term financial instruments. Economists and financial analysts use this data to assess liquidity, investment attractiveness, and potential economic trends.
Methodology
The data is collected through surveys of financial institutions and calculated as a weighted average of interest rates for 3-month CDs with balances under $100 million.
Historical Context
This yield is used by policymakers, investors, and financial institutions to make decisions about short-term investments, monetary policy, and economic forecasting.
Key Facts
- Represents interest rates for short-term bank deposits under $100 million
- Provides insight into current financial market conditions
- Used as a benchmark for similar short-term financial instruments
FAQs
Q: What does the TY3MCD series represent?
A: It represents the average yield for 3-month Certificates of Deposit with balances under $100 million issued by banks.
Q: Why are these yields important?
A: These yields indicate current short-term lending rates and provide insights into monetary conditions and market expectations.
Q: How often is this data updated?
A: The data is typically updated weekly, reflecting current market conditions and interest rate trends.
Q: Who uses this data?
A: Economists, investors, financial analysts, and policymakers use this data for economic analysis and decision-making.
Q: What factors influence these yields?
A: Factors include Federal Reserve monetary policy, inflation expectations, economic growth, and overall market liquidity.
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Citation
U.S. Federal Reserve, Treasury Yield: 3 Month CD <100M [TY3MCD], retrieved from FRED.
Last Checked: 8/1/2025