Treasury Yield: 48 Month CD <100M
This dataset tracks treasury yield: 48 month cd <100m over time.
Latest Value
3.68
Year-over-Year Change
-22.53%
Date Range
2/1/2023 - 7/1/2025
Summary
The Treasury Yield for 48-Month Certificates of Deposit (CDs) under $100 million represents the interest rate banks offer for medium-term savings instruments. This metric provides insight into short-to-medium term investment returns and reflects broader economic 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 economic indicator tracks the average yield for 48-month bank certificates of deposit with balances less than $100 million. It serves as a benchmark for fixed-income investments and helps investors understand current interest rate environments.
Methodology
Data is collected through a survey of financial institutions, aggregating reported interest rates for 48-month CDs across various banks and credit unions.
Historical Context
Policymakers and investors use this yield to assess current lending rates, investment opportunities, and potential economic trends. It helps inform decisions about personal and institutional financial strategies.
Key Facts
- Represents average interest rates for medium-term bank deposits
- Covers CDs with balances under $100 million
- Reflects current economic and monetary policy conditions
- Important indicator for investors and financial planners
FAQs
Q: What does TY48MCD represent?
A: TY48MCD is the series identifier for the 48-month Certificate of Deposit yield for deposits under $100 million, tracking average bank interest rates.
Q: How often are these rates updated?
A: These rates are typically updated weekly, reflecting current market conditions and monetary policy changes.
Q: Why are 48-month CD rates important?
A: These rates provide insight into medium-term investment returns and help investors compare different savings and investment options.
Q: How do these rates relate to Federal Reserve policies?
A: CD rates are directly influenced by Federal Reserve monetary policies, particularly changes in the federal funds rate.
Q: Can individual investors access these rates?
A: Yes, individual investors can typically find similar CD rates at local banks and credit unions, though exact rates may vary.
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Citation
U.S. Federal Reserve, Treasury Yield: 48 Month CD <100M [TY48MCD], retrieved from FRED.
Last Checked: 8/1/2025