Treasury Yield: Rate Cap Adjusted: 48 Month CD <100M
TYRCA48MCD • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
5.17
Year-over-Year Change
-19.84%
Date Range
2/1/2023 - 7/1/2025
Summary
The Treasury Yield: Rate Cap Adjusted: 48 Month CD <100M represents a specific benchmark for certificate of deposit rates for smaller financial institutions. This metric provides insight into short-to-medium term investment rates and overall banking sector lending 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 adjusted yield for 48-month certificates of deposit with balances under $100 million. It reflects the interest rates offered by banks and credit unions for medium-term savings products, serving as a key indicator of banking sector financial health.
Methodology
The rate is calculated by the Federal Reserve through aggregating and averaging CD rates from multiple financial institutions, with adjustments for statistical variations.
Historical Context
Policymakers and investors use this trend to assess banking sector liquidity and compare investment opportunities across different financial instruments. It helps inform monetary policy and investment strategies.
Key Facts
- Represents CD rates for smaller financial institutions
- Covers 48-month investment periods
- Applies to deposits under $100 million
- Adjusted for statistical consistency
FAQs
Q: What does TYRCA48MCD represent?
A: It represents the adjusted treasury yield for 48-month certificates of deposit with balances under $100 million.
Q: Why are these rates important?
A: These rates provide insights into banking sector lending conditions and investment opportunities for consumers and financial professionals.
Q: How often are these rates updated?
A: The rates are typically updated regularly by the Federal Reserve to reflect current market conditions.
Q: Can individual investors use this information?
A: Yes, investors can use these rates to compare potential returns on medium-term savings and investment products.
Q: How do these rates relate to broader economic trends?
A: These rates can indicate overall economic health, inflation expectations, and monetary policy direction.
Related Trends
Citation
U.S. Federal Reserve, Treasury Yield: Rate Cap Adjusted: 48 Month CD <100M [TYRCA48MCD], retrieved from FRED.
Last Checked: 8/1/2025