Treasury Yield: 6 Month CD <100M
TY6MCD • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
4.29
Year-over-Year Change
-20.99%
Date Range
4/1/2021 - 7/1/2025
Summary
The Treasury Yield for 6-Month Certificates of Deposit (CDs) under $100 million represents the interest rate paid on short-term savings instruments issued by financial institutions. This metric provides insight into short-term investment returns and serves as an important indicator of 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 current market interest rates for short-term savings products and is closely monitored by investors and financial analysts as a benchmark for short-term investment strategies. Economists use this data point to assess current economic conditions and potential shifts in monetary policy.
Methodology
The data is collected through comprehensive surveys of financial institutions, tracking the average interest rates offered on 6-month CDs with balances under $100 million.
Historical Context
This yield is utilized by policymakers, investors, and financial institutions to gauge short-term investment trends and make informed economic decisions.
Key Facts
- Represents short-term savings instrument rates
- Indicates current market liquidity conditions
- Useful for comparing investment opportunities
FAQs
Q: How does this yield impact individual investors?
A: The yield provides guidance on potential returns for short-term savings and helps investors compare different investment options. Higher yields typically indicate more favorable short-term investment conditions.
Q: What factors influence the 6-month CD yield?
A: Federal Reserve monetary policy, inflation expectations, and overall economic conditions significantly impact the 6-month CD yield. Market interest rates and bank competition also play crucial roles.
Q: How frequently is this data updated?
A: The Treasury Yield data is typically updated weekly, providing current insights into short-term financial market conditions. Investors and analysts can track these changes through official economic reporting sources.
Q: Why is the $100 million threshold significant?
A: The under $100 million threshold helps differentiate between retail and institutional investment rates, providing a more granular view of short-term financial market conditions.
Q: What are the limitations of this yield metric?
A: While informative, this yield represents a snapshot of current conditions and may not predict long-term trends. It should be considered alongside other economic indicators for comprehensive analysis.
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Citation
U.S. Federal Reserve, Treasury Yield: 6 Month CD <100M [TY6MCD], retrieved from FRED.
Last Checked: 8/1/2025