Key information about US Reserve Requirement Ratio

• Reserve Requirement Ratio: Local Currency Demand Deposits: United States was set as 0.0 % in Dec 2025
• US Reserve Requirement Ratio data updated monthly, available from Nov 1980 to Dec 2025
• The data is reported by CEIC Data
• In the latest reports, US Money Supply M2 increased to 22,298.1 USD bn YoY in Oct 2025
• Foreign Exchange Reserves in US was measured at 38.3 USD bn in Oct 2025.
• The Foreign Exchange Reserves equaled 0.1 Months of Import in Aug 2025
• US Domestic Credit reached 31,813.3 USD bn in Mar 2025, representing an increase of 4.0 % YoY
• The country's Non Performing Loans Ratio stood at 1.5 % in Sep 2025, compared with the ratio of 1.5 % in the previous quarter
• Household Debt of US reached 61.4 % in Jun 2025, accounting for 61.4 % of the country's Nominal GDP

This dataset provides values for CASH RESERVE RATIO reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.

Graph and download economic data for Reserves of Depository Institutions: Total (TOTRESNS) from Jan 1959 to Oct 2025 about adjusted, reserves, and USA.

Graph and download economic data for Ratio of Lawful Money to Individual Deposits, National Banks, Total for United States (M14052USM156NNBR) from Mar 1875 to Dec 1915 about legal, individual, ratio, deposits, banks, depository institutions, and USA.

United States US: Broad Money: to Total Reserves Ratio data was reported at 41.421 % in 2016. This records a decrease from the previous number of 42.231 % for 2015. United States US: Broad Money: to Total Reserves Ratio data is updated yearly, averaging 29.176 % from Dec 1960 (Median) to 2016, with 57 observations. The data reached an all-time high of 58.277 % in 2001 and a record low of 11.586 % in 1980. United States US: Broad Money: to Total Reserves Ratio data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s United States – Table US.World Bank.WDI: Money Supply. Broad money (IFS line 35L..ZK) is the sum of currency outside banks; demand deposits other than those of the central government; the time, savings, and foreign currency deposits of resident sectors other than the central government; bank and traveler’s checks; and other securities such as certificates of deposit and commercial paper.; ; International Monetary Fund, International Financial Statistics and data files.; ;

The Federal Reserve's balance sheet has undergone significant changes since 2007, reflecting its response to major economic crises. From a modest *** trillion U.S. dollars at the end of 2007, it ballooned to approximately **** trillion U.S. dollars by October 29, 2025. This dramatic expansion, particularly during the 2008 financial crisis and the COVID-19 pandemic—both of which resulted in negative annual GDP growth in the U.S.—showcases the Fed's crucial role in stabilizing the economy through expansionary monetary policies. Impact on inflation and interest rates The Fed's expansionary measures, while aimed at stimulating economic growth, have had notable effects on inflation and interest rates. Following the quantitative easing in 2020, inflation in the United States reached ***** percent in 2022, the highest since 1991. However, by August 2025, inflation had declined to *** percent. Concurrently, the Federal Reserve implemented a series of interest rate hikes, with the rate peaking at **** percent in August 2023, before the first rate cut since September 2021 occurred in September 2024. Financial implications for the Federal Reserve The expansion of the Fed's balance sheet and subsequent interest rate hikes have had significant financial implications. In 2024, the Fed reported a negative net income of ***** billion U.S. dollars, a stark contrast to the ***** billion U.S. dollars profit in 2022. This unprecedented shift was primarily due to rapidly rising interest rates, which caused the Fed's interest expenses to soar to over *** billion U.S. dollars in 2023. Despite this, the Fed's net interest income on securities acquired through open market operations reached a record high of ****** billion U.S. dollars in the same year.

Actual value and historical data chart for United States Broad Money To Total Reserves Ratio

Graph and download economic data for Deposits, All Commercial Banks (DPSACBW027SBOG) from 1973-01-03 to 2025-11-19 about deposits, banks, depository institutions, and USA.

The U.S. federal funds rate peaked in 2023 at its highest level since the 2007-08 financial crisis, reaching 5.33 percent by December 2023. A significant shift in monetary policy occurred in the second half of 2024, with the Federal Reserve implementing regular rate cuts. By December 2024, the rate had declined to 4.48 percent. What is a central bank rate? The federal funds rate determines the cost of overnight borrowing between banks, allowing them to maintain necessary cash reserves and ensure financial system liquidity. When this rate rises, banks become more inclined to hold rather than lend money, reducing the money supply. While this decreased lending slows economic activity, it helps control inflation by limiting the circulation of money in the economy. Historic perspective The federal funds rate historically follows cyclical patterns, falling during recessions and gradually rising during economic recoveries. Some central banks, notably the European Central Bank, went beyond traditional monetary policy by implementing both aggressive asset purchases and negative interest rates.

Broad money to total reserves ratio of United States of America dropped by 10.43% from 35.53 ratio in 2023 to 31.82 ratio in 2024. Since the 0.49% increase in 2022, broad money to total reserves ratio plummeted by 16.71% in 2024. Broad money (IFS line 35L..ZK) is the sum of currency outside banks; demand deposits other than those of the central government; the time, savings, and foreign currency deposits of resident sectors other than the central government; bank and traveler’s checks; and other securities such as certificates of deposit and commercial paper.

The U.S. federal funds effective rate underwent a dramatic reduction in early 2020 in response to the COVID-19 pandemic. The rate plummeted from 1.58 percent in February 2020 to 0.65 percent in March and further decreased to 0.05 percent in April. This sharp reduction, accompanied by the Federal Reserve's quantitative easing program, was implemented to stabilize the economy during the global health crisis. After maintaining historically low rates for nearly two years, the Federal Reserve began a series of rate hikes in early 2022, with the rate moving from 0.33 percent in April 2022 to 5.33 percent in August 2023. The rate remained unchanged for over a year before the Federal Reserve initiated its first rate cut in nearly three years in September 2024, bringing the rate to 5.13 percent. By December 2024, the rate was cut to 4.48 percent, signaling a shift in monetary policy in the second half of 2024. In January 2025, the Federal Reserve implemented another cut, setting the rate at 4.33 percent, which remained unchanged until September 2025, when another cut set the rate at 4.22 percent. In October 2025, the rate was further reduced to 4.09 percent. What is the federal funds effective rate? The U.S. federal funds effective rate determines the interest rate paid by depository institutions, such as banks and credit unions, that lend reserve balances to other depository institutions overnight. Changing the effective rate in times of crisis is a common way to stimulate the economy, as it has a significant impact on the whole economy, such as economic growth, employment, and inflation. Central bank policy rates The adjustment of interest rates in response to the COVID-19 pandemic was a coordinated global effort. In early 2020, central banks worldwide implemented aggressive monetary easing policies to combat the economic crisis. The U.S. Federal Reserve's dramatic reduction of its federal funds rate—from 1.58 percent in February 2020 to 0.05 percent by April—mirrored similar actions taken by central banks globally. While these low rates remained in place throughout 2021, mounting inflationary pressures led to a synchronized tightening cycle beginning in 2022, with central banks pushing rates to multi-year highs. By mid-2024, as inflation moderated across major economies, central banks began implementing their first rate cuts in several years, with the U.S. Federal Reserve, Bank of England, and European Central Bank all easing monetary policy.

Graph and download economic data for Cash Assets, All Commercial Banks (CASACBQ158SBOG) from Q2 1973 to Q3 2025 about cash, assets, banks, depository institutions, rate, and USA.

United States US: Bank Liquid Reserves: to Bank Assets Ratio data was reported at 12.235 % in 2016. This records a decrease from the previous number of 13.950 % for 2015. United States US: Bank Liquid Reserves: to Bank Assets Ratio data is updated yearly, averaging 6.545 % from Dec 2001 (Median) to 2016, with 16 observations. The data reached an all-time high of 16.649 % in 2014 and a record low of 0.618 % in 2007. United States US: Bank Liquid Reserves: to Bank Assets Ratio data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s United States – Table US.World Bank.WDI: Money Supply. Ratio of bank liquid reserves to bank assets is the ratio of domestic currency holdings and deposits with the monetary authorities to claims on other governments, nonfinancial public enterprises, the private sector, and other banking institutions.; ; International Monetary Fund, International Financial Statistics and data files.; Median;

View monthly updates and historical trends for US Domestically Chartered Commercial Banks Cash Assets Annual Growth Rate. from United States. Source: Fede…

Key information about United States Foreign Exchange Reserves

• United States Foreign Exchange Reserves was measured at 35.2 USD bn in Jan 2025, compared with 34.9 USD bn in the previous month
• US Foreign Exchange Reserves: USD mn data is updated monthly, available from Mar 1961 to Jan 2025
• The data reached an all-time high of 54.9 USD bn in Aug 2011 and a record low of 2.0 USD mn in Jul 1975

• In the latest reports, US Foreign Exchange Reserves equaled 0.1 Months of Import in Jan 2025.
• Its Money Supply M2 increased 21,561.4 USD bn YoY in Jan 2025.
• US Domestic Credit reached 30,648.3 USD bn in Mar 2024, representing an drop of 0.3 % YoY.
• The country's Non Performing Loans Ratio stood at 1.7 % in Dec 2024, compared with the ratio of 1.5 % in the previous quarter.
• Household Debt of US reached 61.7 % in Dec 2024, accounting for 61.7 % of the country's Nominal GDP.

View monthly updates and historical trends for US M2 Money Supply YoY. from United States. Source: Federal Reserve. Track economic data with YCharts analy…

Key information about United States Short Term Interest Rate

• United States Short Term Interest Rate: Month End: Treasury Bills: 3 Months was reported at 4.20 % pa in Feb 2025, compared with 4.20 % pa in the previous month.
• US Short Term Interest Rate data is updated monthly, available from Jan 1954 to Feb 2025.
• The data reached an all-time high of 15.52 % pa in Aug 1981 and a record low of -0.01 % pa in Sep 2015.
• Short Term Interest Rate is reported by reported by Federal Reserve Board.

• In the latest reports, US Treasury Notes Yield: Constant Maturity: Nominal: 10 Years was reported at 4.45 % pa in Feb 2025.
• The cash rate (Policy Rate: Month End: Effective Federal Funds Rate) was set at 4.33 % pa in Feb 2025.

The benchmark interest rate in the United States was last recorded at 4 percent. This dataset provides the latest reported value for - United States Fed Funds Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Credit card charge-off rates reached their highest level in over 14 years by Q2 2024, as borrowers struggled to keep up with debts. This is according to figures gathered by the Federal Reserve from U.S. chartered commercial banks. Credit card became an increasingly more common way to pay after the coronavirus pandemic, as is shown in the distribution of different types of loans in the United States. U.S. consumers had built up their cash reserves, making them eligible to get a credit card. The high charge-off rates were joined by the highest U.S. credit card delinquency rates since the Financial Crisis of 2008.

View market daily updates and historical trends for Effective Federal Funds Rate. from United States. Source: Federal Reserve. Track economic data with YC…