Treasury Yield: 60 Month CD <100M
TY60MCD • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
3.79
Year-over-Year Change
-16.89%
Date Range
4/1/2021 - 7/1/2025
Summary
The Treasury Yield for 60-Month CDs under $100 million represents the interest rate paid on time deposits with a five-year maturity. This metric is a critical indicator of short-to-medium term investment returns and broader economic 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 interest rate financial institutions offer for certificates of deposit with a 60-month term and a balance below $100 million. Economists and investors closely track this rate as a benchmark for fixed-income investments and as a signal of market liquidity and economic sentiment.
Methodology
The data is collected through surveys of financial institutions, tracking the average interest rates offered on time deposits meeting specific maturity and balance criteria.
Historical Context
Policymakers and financial analysts use this yield to assess investment trends, banking sector health, and potential shifts in monetary policy.
Key Facts
- Represents 60-month CD rates for deposits under $100 million
- Provides insight into medium-term investment returns
- Influenced by Federal Reserve monetary policy and economic conditions
FAQs
Q: What does this yield indicate about the economy?
A: The yield reflects market expectations for interest rates and economic growth. Higher yields typically suggest optimism about future economic conditions.
Q: How often is this data updated?
A: The data is typically updated weekly, providing current insights into financial market conditions and investment rates.
Q: How do investors use this yield?
A: Investors use this yield to compare potential returns on fixed-income investments and make informed decisions about asset allocation.
Q: What factors influence this yield?
A: Federal Reserve policy, inflation expectations, economic growth projections, and overall market liquidity significantly impact this yield.
Q: Are there limitations to using this yield?
A: While informative, this yield represents a specific market segment and should be considered alongside other economic indicators for comprehensive analysis.
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Citation
U.S. Federal Reserve, Treasury Yield: 60 Month CD <100M [TY60MCD], retrieved from FRED.
Last Checked: 8/1/2025