Treasury Yield: Rate Cap Adjusted: 12 Month CD <100M
TYRCA12MCD • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
5.50
Year-over-Year Change
-21.45%
Date Range
4/1/2021 - 7/1/2025
Summary
The Treasury Yield: Rate Cap Adjusted: 12 Month CD <100M represents the interest rate for certificates of deposit under $100 million with a 12-month term. This metric provides critical insight into short-term investment returns and banking sector pricing strategies.
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 adjusted yield for medium-term bank deposits, reflecting current market interest rates and financial institution lending strategies. Economists use this data to understand short-term investment trends and potential shifts in monetary policy.
Methodology
The rate is calculated by surveying financial institutions and aggregating their 12-month CD rates for deposits under $100 million, with adjustments for market conditions.
Historical Context
Policymakers and investors use this trend to assess short-term investment attractiveness and potential economic signals about liquidity and financial market conditions.
Key Facts
- Represents 12-month CD rates for deposits under $100 million
- Provides insight into short-term investment returns
- Adjusted to reflect current market conditions
FAQs
Q: What does this rate indicate about the current financial market?
A: The rate reflects current short-term investment opportunities and banks' lending strategies. It can signal broader economic trends and potential monetary policy directions.
Q: How often is this rate updated?
A: The rate is typically updated weekly or monthly, depending on market conditions and Federal Reserve reporting schedules.
Q: Why is the $100 million threshold significant?
A: This threshold helps distinguish between institutional and smaller-scale investment rates, providing a more nuanced view of the financial market.
Q: How do investors use this rate?
A: Investors use this rate to compare potential returns on short-term investments and make informed decisions about allocating capital.
Q: What are the limitations of this data?
A: The rate represents a snapshot of market conditions and may not capture all nuanced financial market dynamics or future trends.
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Citation
U.S. Federal Reserve, Treasury Yield: Rate Cap Adjusted: 12 Month CD <100M [TYRCA12MCD], retrieved from FRED.
Last Checked: 8/1/2025