The benchmark interest rate in the United States was last recorded at 4.50 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.

Graph and download economic data for FOMC Summary of Economic Projections for the Fed Funds Rate, Median (FEDTARMD) from 2025 to 2027 about projection, federal, median, rate, and USA.

The FR 2835 collects interest rates on loans for new vehicles and loans for other consumer goods and personal expenses from a sample of commercial banks and the FR 2835a collects interest rates, finance charges, and loan balances for credit card accounts from a sample of commercial banks. The data from these reports help the Board analyze current household financial conditions and the implications of these conditions for household spending and, as such, these data provide valuable input to the monetary policymaking process. The data are also used to create aggregate statistics on consumer loan terms that are published in the Federal Reserve's monthly statistical releases G.19 Consumer Credit and G.20 Finance Companies, and in the Federal Reserve Bulletin. Some of the aggregates are used by the Board in the calculation of the aggregate household debt service and financial obligations ratios for the Federal Reserve's quarterly Financial Obligations statistical release and by the Bureau of Economic Analysis to calculate interest paid by households as part of the National Income and Product Accounts.

Graph and download economic data for Commercial Bank Interest Rate on Credit Card Plans, All Accounts (TERMCBCCALLNS) from Nov 1994 to May 2025 about credit cards, consumer credit, loans, consumer, banks, interest rate, depository institutions, interest, rate, and USA.

The benchmark interest rate in Japan was last recorded at 0.50 percent. This dataset provides - Japan Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Commercial bank interest rates on credit card plans in the United States were over *** percent higher in early 2025 than in the same period in 2022. In February 2025, the interest amount on credit card plans amounted to ***** percent. Alongside this development, the overall amount of credit card debt in the U.S. reached an all-time high in Q4 2023. Credit cards are considered one of the most common ways to pay in the United States, so potential changes on credit card debt are closely tied to both the inflation figure and central bank interest rate of the country.

According to a survey taken in July 2025, roughly 27percent of surveyed Americans were planning to make purchases because they expected prices to increase as a result of the tariffs.

The central bank provides interest rates for banks to carry out various forms of financing operations, such as rediscounting qualified bills, short-term financing, and secured loan refinancing.

US Pension Funds Market size was valued at USD 6.87 Trillion in 2024 and is projected to reach USD 13.73 Trillion by 2032, growing at a CAGR of 9.05% from 2026 to 2032.

US Pension Funds Market Drivers

Aging Population: The aging population is a primary driver, as more individuals enter retirement and rely on pension funds for income. This increases the demand for payouts and influences investment strategies.

Longer Life Expectancy: Increased life expectancy means pension funds must plan for longer payout periods, impacting investment horizons and risk management.

Baby Boomer Retirement: The large baby boomer generation's ongoing retirement continues to place strain on pension fund resources.

Interest Rates: Interest rates significantly impact pension fund liabilities and investment returns. Low interest rates can strain funds by increasing liabilities and reducing returns on fixed-income investments.

Market Performance: Stock market performance and other asset class returns directly affect the value of pension fund investments.

Bangladesh Weighted Average Interest Rate: Schedule Banks: Deposits data was reported at 6.170 % pa in Mar 2025. This records an increase from the previous number of 6.140 % pa for Feb 2025. Bangladesh Weighted Average Interest Rate: Schedule Banks: Deposits data is updated monthly, averaging 5.670 % pa from Jul 2009 (Median) to Mar 2025, with 189 observations. The data reached an all-time high of 8.680 % pa in Feb 2013 and a record low of 3.970 % pa in Jun 2022. Bangladesh Weighted Average Interest Rate: Schedule Banks: Deposits data remains active status in CEIC and is reported by Bangladesh Bank. The data is categorized under Global Database’s Bangladesh – Table BD.M001: Interest and Lending Rate.

U.S. Debt Consolidation Market size was valued at USD 175,328.90 Million in 2023 and is projected to reach USD 295,534.83 Million by 2031, growing at a CAGR of 6.78% from 2024 to 2031.

U.S. Debt Consolidation Market Overview

High interest rates, exacerbated by Federal Reserve rate hikes, often reduce the appeal of consolidation loans for borrowers. Limited financial literacy can lead to misunderstandings about the benefits and risks of consolidation, deterring potential users. The strict regulatory compliance requirements increase operational costs for lenders, impacting profitability. Consumer skepticism, driven by concerns about predatory practices and hidden fees, is expected to hinder market growth in the upcoming years.

Introduction

Hiking Accident Statistics: Hiking accidents can arise from various factors, including environmental hazards, navigation errors, physical limitations, wildlife encounters, and falls.

To prevent such incidents, hikers should engage in thorough preparation, including researching trails, assessing physical fitness, and monitoring weather conditions.

Hiking with a group, using proper equipment, and informing someone of the hiking plan can enhance safety.

In the event of an accident, it is essential to assess the situation, provide first aid, communicate with emergency services, and establish an evacuation plan if necessary.

Understanding these risks and implementing preventive strategies can significantly enhance safety during hiking activities.

Acerinox plans a U.S. price increase, aided by tariffs, despite challenges in Europe with low demand and high inventories.

The industry has a strong run of year-over-year growth through the end of 2024 up until the onset of the pandemic. Normally, a financially distressed Agricultural sector would cause industry revenue to climb, but the Federal Reserve dropped interest rates to near-zero in response to the pandemic and the staggering amount of fiscal aid provided to farmers via the United States Department of Agriculture Emergency Food Purchasing Plan and the Paycheck Protection Plan had greatly reduced farmers' demand for agricultural loans. This simultaneously caused revenue to decline in 2020. Following the pandemic, the Fed raised interest rates in 2022 to tackle rampant inflation which increased borrowing costs for farmers and reduced loan volumes for the industry. In 2024, as inflationary pressures eased, the Fed slashed interest rates, which will likely boost loan volumes but reduce interest income on each loan. Overall, industry revenue shrank at a CAGR of 1.4% to $20.4 billion over the past five years, including an expected decrease of 0.9% in 2024 alone. Because of such strong increases in governmental aid as a share of total farm income, net farm income has risen strongly in the past 18 months, which has reduced the sector's reliance on bank loans, with the industry exhibiting a revenue slide in 2020 as a result of a surprising fiscal stability agricultural sector, barring difficulties in the live-cattle segments because of strong increases in government transfer payments. Moreover, industry profitability has climbed due to the high interest rate environment in the latter part of the period which increased interest income on each loan. However, the high interest rate environment hindered loan volumes for the industry. The industry is expected to continue sliding through the end of 2029 as the farm economy is expected to exhibit declines. With declining agricultural prices and returns to farmers, it's expected that the sector will need to increasingly rely on this industry. Also, the anticipation of further rate cuts as inflationary pressures ease will reduce borrowing costs which will enable farmers to increase their loan demand. However, the industry is anticipated to decline at a CAGR of 0.9% to $19.5 billion over the five years to 2029.

According to Cognitive Market Research, the global Certificate of Deposit market size will be USD XX million in 2024. It will expand at a compound annual growth rate (CAGR) of 8.00% from 2024 to 2031.

North America held the major market share for more than 40% of the global revenue with a market size of USD XX million in 2024 and will grow at a compound annual growth rate (CAGR) of 6.2% from 2024 to 2031.
Europe accounted for a market share of over 30% of the global revenue with a market size of USD XX million.
Asia Pacific held a market share of around 23% of the global revenue with a market size of USD XX million in 2024 and will grow at a compound annual growth rate (CAGR) of 10.0% from 2024 to 2031.
Latin America had a market share of more than 5% of the global revenue with a market size of USD XX million in 2024 and will grow at a compound annual growth rate (CAGR) of 7.4% from 2024 to 2031.
Middle East and Africa had a market share of around 2% of the global revenue and was estimated at a market size of USD XX million in 2024 and will grow at a compound annual growth rate (CAGR) of 7.7% from 2024 to 2031.
The Less than 1 year held the highest Certificate of Deposit market revenue share in 2024.

Market Dynamics of Certificate of Deposit Market

Key Drivers for Certificate of Deposit Market

Growing Demand for Early Retirement Planning to Increase the Demand Globally

The growing demand for early retirement planning is driving the Certificate of Deposit (CD) market as individuals increasingly seek secure and reliable investment options to ensure financial stability in their retirement years. CDs offer a low-risk investment with guaranteed returns, making them an attractive choice for conservative investors looking to preserve capital and generate predictable income. With an aging population and heightened awareness of the need for financial planning, more people are prioritizing investments that provide safety and stability. CDs, with their fixed interest rates and protection against market volatility, align well with the goals of early retirees who prioritize preserving their savings while earning a steady return. This trend fuels the growth of the CD market as part of comprehensive retirement strategies.

Growing Demand of Enhanced CD products to Propel Market Growth

The growing demand for enhanced Certificate of Deposit (CD) products is driving the market due to their ability to offer higher returns and additional features compared to traditional CDs. Enhanced CDs, such as those with variable interest rates, callable options, or market-linked returns, attract investors seeking better yields while still enjoying the security and low risk associated with CDs. These innovative products appeal to a broader range of investors, including those looking for diversified income streams and higher growth potential. Additionally, the customization and flexibility of enhanced CDs cater to the evolving preferences of investors, who are increasingly sophisticated and seeking tailored financial solutions. This trend boosts the attractiveness and market adoption of CDs, expanding their role in investment portfolios.

Restraint Factor for the Certificate of Deposit Market

Low Interest Rates to Limit the Sales

Low interest rates restrain the Certificate of Deposit (CD) market by reducing the attractiveness of these financial instruments to investors seeking higher returns. When interest rates are low, the yields on CDs decrease, making them less appealing compared to other investment options such as stocks, bonds, or mutual funds, which may offer higher potential returns. This diminished appeal leads to reduced demand for CDs among both retail and institutional investors. Additionally, low interest rates can prompt banks and financial institutions to offer fewer incentives or promotional rates for CDs, further dampening market growth. The overall impact is a slowdown in the market's expansion, as investors seek alternative investments that promise better returns in a low-interest-rate environment.

Impact of Covid-19 on the Certificate of Deposit Market

The COVID-19 pandemic had a mixed impact on the Certificate of Deposit (CD) market. On one hand, economic uncertainty and market volatility drove many investors towards safer, more stable investment options like CDs. This increased demand for secure, low-risk instruments as people sought to protect their capital. On the ot...

The Securities Brokering industry primarily serves as an intermediary between investors and investment securities such as stocks, bonds and derivatives. Brokerage firms match a client's buy order with a third party's sell order or fulfill the client's order with their own investment products. In the past five years, industry revenue grew at a CAGR of 4.2% to $188.2 billion, including 0.3% in 2023 alone. The industry has undergone a series of large mergers and acquisitions to better compete with internal and external competition. Also, the industry has shifted to zero commission trades in response to new disruptive mobile trading platforms entering the market. Even as the COVID-19 pandemic caused general havoc in 2020, it had mixed effects on industry revenue.The average industry profit margin has been constrained over the past five years due to intense competition from online trading platforms that eliminate the need for financial intermediaries. Operators have responded to this trend by increasing their financial services offerings and transitioning to an asset-based fee structure characteristic of the Financial Planning and Advice industry (IBISWorld report 52393).Industry revenue will grow at a CAGR of 2.5% to $213.2 billion over the next five years. However, going forward financial market volatility is likely to increase, as the Federal Reserve increases interest rates to curb high inflation. In turn, demand for industry services is expected to grow at a slow rate as consumer confidence will likely take time to adjust to a changing financial landscape. Nonetheless, the industry will benefit from its efforts to diversify revenue streams over the next five years.

Graph and download economic data for Consumer Loans: Credit Cards and Other Revolving Plans, All Commercial Banks (CCLACBQ158SBOG) from Q4 2000 to Q2 2025 about revolving, credit cards, loans, consumer, banks, depository institutions, rate, and USA.

The benchmark interest rate in the United Kingdom was last recorded at 4 percent. This dataset provides - United Kingdom Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

ARDL results for the relation between national interest rates and inflation and output gap.