Assets: Liquidity and Credit Facilities: Loans: Seasonal Credit: Week Average
WSB • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
0.04
Year-over-Year Change
180.00%
Date Range
6/7/2006 - 7/30/2025
Summary
The Seasonal Credit Week Average tracks short-term lending facilities provided by the Federal Reserve to financial institutions during periods of predictable credit demand fluctuations. This metric helps economists understand seasonal credit market dynamics and banking system liquidity.
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
Seasonal credit represents temporary lending support for financial institutions experiencing predictable credit variations, typically in agriculture, tourism, and other cyclical industries. Economists analyze this trend to assess regional banking resilience and credit market adaptability.
Methodology
The Federal Reserve calculates this metric by averaging weekly seasonal credit loan volumes across reporting financial institutions.
Historical Context
Policymakers and central bankers use this data to fine-tune monetary policy and understand regional credit market pressures.
Key Facts
- Seasonal credit supports industries with predictable credit demand cycles
- Provides temporary financial flexibility for regional banks
- Reflects short-term lending market adaptability
FAQs
Q: What industries typically use seasonal credit?
A: Agriculture, tourism, and seasonal retail businesses often rely on seasonal credit to manage cash flow during predictable demand fluctuations.
Q: How does seasonal credit differ from regular bank loans?
A: Seasonal credit is specifically designed for short-term, cyclical financial needs, with more flexible terms tailored to predictable industry variations.
Q: How frequently is seasonal credit data updated?
A: The Federal Reserve typically updates seasonal credit data weekly, providing real-time insights into short-term lending market conditions.
Q: Why do economists track seasonal credit trends?
A: Tracking seasonal credit helps economists understand regional economic variations, banking system resilience, and potential monetary policy adjustments.
Q: What are the limitations of seasonal credit data?
A: Seasonal credit data represents a narrow slice of lending markets and may not fully capture broader economic trends or long-term credit dynamics.
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Citation
U.S. Federal Reserve, Assets: Liquidity and Credit Facilities: Loans: Seasonal Credit: Week Average [WSB], retrieved from FRED.
Last Checked: 8/1/2025