Graph and download economic data for Interest Rates: 3-Month or 90-Day Rates and Yields: Certificates of Deposit: Total for United States (IR3TCD01USM156N) from Jun 1964 to Dec 2023 about CD, 3-month, yield, interest rate, interest, rate, and USA.

Graph and download economic data for National Rate: 12 Month CD <100M (NDR12MCD) from Apr 2021 to Jul 2025 about CD, 1-year, deposits, rate, and USA.

United States - National Rate on Jumbo Deposits (greater or equal to $100,000): 12 Month CD (DISCONTINUED) was 0.15% in March of 2021, according to the United States Federal Reserve. Historically, United States - National Rate on Jumbo Deposits (greater or equal to $100,000): 12 Month CD (DISCONTINUED) reached a record high of 1.29 in May of 2009 and a record low of 0.15 in February of 2021. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - National Rate on Jumbo Deposits (greater or equal to $100,000): 12 Month CD (DISCONTINUED) - last updated from the United States Federal Reserve on July of 2025.

Certificate of Deposit Market Outlook

The global certificate of deposit (CD) market size was valued at approximately USD 1 trillion in 2023, and it is projected to reach nearly USD 1.5 trillion by 2032, growing at a compound annual growth rate (CAGR) of around 4.5%. This growth is primarily driven by the increasing preference for safe and secure investment options amidst global economic uncertainties. Factors such as technological advancements in banking, fluctuating interest rates, and evolving consumer preferences are expected to further fuel the expansion of the CD market. As investors seek to balance risk and return, the certificate of deposit market is poised for significant growth over the next decade.

A major growth factor in the certificate of deposit market is the heightened demand for low-risk investment products, especially in volatile economic climates. As global markets experience fluctuations due to geopolitical tensions and unpredictable economic policies, investors are increasingly turning to CDs as a stable and predictable source of income. The fixed interest rates and government insurance associated with CDs make them an attractive option for risk-averse investors. Additionally, the increasing financial literacy among the population is leading to greater awareness of CDs as an investment tool, further driving market growth.

The digital transformation of banking services has also had a profound impact on the certificate of deposit market. Online banks and financial institutions are now offering more competitive rates and greater accessibility to CD products, thereby expanding their customer base. This digital shift has not only increased the convenience for consumers but also allowed institutions to reduce operational costs, enabling them to offer more attractive rates. Furthermore, the proliferation of fintech platforms has facilitated easier comparison of CD rates and terms, empowering consumers to make more informed investment decisions, which ultimately supports market growth.

Interest rates, which are a critical determinant of the attractiveness of CDs, have become progressively volatile, largely influencing the dynamics of the CD market. Central banks across the globe are adjusting rates in response to inflationary pressures and economic recovery efforts post-pandemic. While higher interest rates may enhance the appeal of CDs by offering better returns, they also make other investment avenues more attractive. Consequently, financial institutions are developing innovative CD products with features such as bump-up rates or liquidity options to maintain competitiveness. As interest rate environments evolve, so too will the strategies employed by both issuers and investors within the CD market.

Regionally, North America holds a significant share of the certificate of deposit market, driven by a mature banking sector and a high level of investor awareness. Europe follows closely, with its robust regulatory framework and stable economic environment contributing to sustained interest in CDs. Meanwhile, the Asia Pacific region is expected to exhibit the fastest growth rate, attributed to rapid economic development and increasing individual wealth in countries such as China and India. The Latin America and Middle East & Africa regions are also anticipated to see moderate growth, spurred by improving financial infrastructure and increasing investor education initiatives. Overall, the global CD market is poised for steady expansion, with varying growth trajectories across different regions.

Type Analysis

The certificate of deposit market is diverse, encompassing several types of CDs, each catering to different investor needs and preferences. Traditional CDs remain the most prevalent, offering fixed interest rates over specified terms. Their appeal lies in their simplicity and the assurance of a guaranteed return, which continues to attract conservative investors. The demand for traditional CDs is particularly strong among retirees and individuals seeking stable income sources. Despite the emergence of more flexible CD options, traditional CDs maintain their dominance due to the predictability and security they offer in uncertain financial climates.

Bump-Up CDs have gained traction as investors seek products that allow for interest rate adjustments during the term. This type of CD offers the potential for higher returns if market rates increase, providing a hedge against rising interest environments. The flexibility of bump-up CDs makes them attractive to investors who wish to capitalize on upward trends without abandoning the security of a CD. Howe

On December 15, 2020, the FDIC Board of Directors approved a Final Rule (https://www.fdic.gov/news/board/2020/2020-12-15-notice-dis-a-fr.pdf) making certain revisions to the interest rate restrictions applicable to less than well capitalized institutions (as defined in Section 38 of the Federal Deposit Insurance Act), which are effective on April 1, 2021. The interest rate restrictions generally limit a less than well capitalized institution from soliciting deposits by offering rates that significantly exceed rates in its prevailing market.

The Final Rule redefined the "national rate" as the average of rates paid by all insured depository institutions and credit unions for which data is available, with rates weighted by each institution's share of domestic deposits. The "national rate cap" is calculated as the higher of: (1) the national rate plus 75 basis points; or (2) 120 percent of the current yield on similar maturity U.S. Treasury obligations plus 75 basis points. The national rate cap for non-maturity deposits is the higher of the national rate plus 75 basis points or the federal funds rate plus 75 basis points.

A less than well capitalized institution may use the "local rate cap" in place of the national rate cap for deposits gathered from within the institution's local market area. The Final Rule redefined the "local rate cap" for a particular deposit product as 90 percent of the highest rate offered on the deposit product by an institution or credit union accepting deposits at a physical location within the institution's local market area.

In accordance with Section 337.7(d), an insured depository institution that seeks to pay a rate of interest up to its local market rate cap shall provide notice and evidence of the highest rate paid on a particular deposit product in the institution's local market areas to the appropriate FDIC regional director. The institution shall update its evidence and calculations for existing and new accounts monthly unless otherwise instructed by the appropriate FDIC regional director, and retain such information available for at least the two most recent examination cycles and, upon the FDIC's request, provide the documentation to the appropriate FDIC regional office and to examination staff during any subsequent examinations.

Graph and download economic data for Treasury Yield: 12 Month CD <100M (TY12MCD) from Apr 2021 to Jun 2025 about CD, 1-year, Treasury, yield, interest rate, interest, rate, and USA.

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...

United States - National Rate on Jumbo Deposits (greater or equal to $100,000): 3 Month CD (DISCONTINUED) was 0.07% in March of 2021, according to the United States Federal Reserve. Historically, United States - National Rate on Jumbo Deposits (greater or equal to $100,000): 3 Month CD (DISCONTINUED) reached a record high of 0.71 in May of 2009 and a record low of 0.07 in January of 2021. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - National Rate on Jumbo Deposits (greater or equal to $100,000): 3 Month CD (DISCONTINUED) - last updated from the United States Federal Reserve on July of 2025.

United States - National Rate on Non-Jumbo Deposits (less than $100,000): 1 Month CD (DISCONTINUED) was 0.04% in March of 2021, according to the United States Federal Reserve. Historically, United States - National Rate on Non-Jumbo Deposits (less than $100,000): 1 Month CD (DISCONTINUED) reached a record high of 0.27 in October of 2009 and a record low of 0.04 in December of 2020. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - National Rate on Non-Jumbo Deposits (less than $100,000): 1 Month CD (DISCONTINUED) - last updated from the United States Federal Reserve on July of 2025.

United States Construction VIP: saar: Public: SL: CD: Breakwater/Jetty data was reported at 1.012 USD bn in May 2018. This records a decrease from the previous number of 1.155 USD bn for Apr 2018. United States Construction VIP: saar: Public: SL: CD: Breakwater/Jetty data is updated monthly, averaging 0.576 USD bn from Jan 1993 (Median) to May 2018, with 305 observations. The data reached an all-time high of 1.718 USD bn in Apr 2016 and a record low of 0.116 USD bn in Jan 1993. United States Construction VIP: saar: Public: SL: CD: Breakwater/Jetty data remains active status in CEIC and is reported by US Census Bureau. The data is categorized under Global Database’s USA – Table US.EA002: Value of Construction Put in Place (VIP): Current Price: Seasonally Adjusted Annual Rate.

United States - National Rate on Jumbo Deposits (greater or equal to $100,000): 48 Month CD (DISCONTINUED) was 0.26% in March of 2021, according to the United States Federal Reserve. Historically, United States - National Rate on Jumbo Deposits (greater or equal to $100,000): 48 Month CD (DISCONTINUED) reached a record high of 2.07 in May of 2009 and a record low of 0.26 in March of 2021. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - National Rate on Jumbo Deposits (greater or equal to $100,000): 48 Month CD (DISCONTINUED) - last updated from the United States Federal Reserve on July of 2025.

Congo, The Democratic Republic of the CD: DEC Alternative Conversion Factor: per USD data was reported at 1,480.193 CDF/USD in 2017. This records an increase from the previous number of 1,072.196 CDF/USD for 2016. Congo, The Democratic Republic of the CD: DEC Alternative Conversion Factor: per USD data is updated yearly, averaging 0.000 CDF/USD from Dec 1960 (Median) to 2017, with 58 observations. The data reached an all-time high of 1,480.193 CDF/USD in 2017 and a record low of 0.000 CDF/USD in 1990. Congo, The Democratic Republic of the CD: DEC Alternative Conversion Factor: per USD data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Democratic Republic of Congo – Table CD.World Bank: Exchange Rates and Real Effective Exchange Rates. The DEC alternative conversion factor is the underlying annual exchange rate used for the World Bank Atlas method. As a rule, it is the official exchange rate reported in the IMF's International Financial Statistics (line rf). Exceptions arise where further refinements are made by World Bank staff. It is expressed in local currency units per U.S. dollar.; ; International Monetary Fund, International Financial Statistics, supplemented by World Bank staff estimates.; ; In the WDI database, the DEC alternative conversion factor is used to convert data in local currency units (LCU) into U.S. dollars.

United States Construction VIP: saar: Public: SL: Conservation & Development (CD) data was reported at 3.199 USD bn in May 2018. This records a decrease from the previous number of 3.249 USD bn for Apr 2018. United States Construction VIP: saar: Public: SL: Conservation & Development (CD) data is updated monthly, averaging 1.824 USD bn from Jan 1993 (Median) to May 2018, with 305 observations. The data reached an all-time high of 3.757 USD bn in Sep 2017 and a record low of 0.594 USD bn in Jan 1993. United States Construction VIP: saar: Public: SL: Conservation & Development (CD) data remains active status in CEIC and is reported by US Census Bureau. The data is categorized under Global Database’s USA – Table US.EA002: Value of Construction Put in Place (VIP): Current Price: Seasonally Adjusted Annual Rate.

Data on vinyl album sales in the United States from 1993 to 2023 shows consistent growth since 2006, and in 2023 a total of **** million vinyl albums were sold, up by over ** percent from the previous year. LP/vinyl sales - additional information Vinyl records, or LPs (short for Long Play), dominated the music recording industry for most of the twentieth century, holding their own against cassette tapes between the 1970s and 1990s, but sales of the compact disc (or CD), introduced in 1983, outpaced LP sales by the end of the 1980s. LPs have been enjoying a comeback in recent years, and the vinyl record is the only format of music available that has recorded positive sales growth from 2009 to 2017. This is impressive, especially because the overall number of albums sold in all formats has been decreasing since at least 2007. This is not because music piracy is replacing music purchasing — in fact, a recent study showed that those individuals who engage in pirating have more legally purchased music in their collections than those who do not use P2P sites to share music.The LP market, while growing, is still a niche market. The number of vinyl records shipped in 2017 is significantly less than the number of CDs, partially due to the market for vinyl consisting mainly of DJs, collectors, and audiophiles. DJs prefer the LP to most other formats due to its versatility and the ability to directly manipulate the record. Many audiophiles and collectors argue that the sound quality of the vinyl record is better than that of digitally recorded music, and new releases of older albums, such as those by the Beatles and Jimi Hendrix, are particularly popular. Modern artists from Mumford & Sons to Justin Timberlake also utilize the LP format. Ed Sheeran's album ''Divide" sold a total of ** thousand units on vinyl in 2017.

The Clinical Decision Support (CDS) market is experiencing robust growth, driven by the increasing adoption of electronic health records (EHRs), the rising prevalence of chronic diseases, and the growing need for improved healthcare efficiency and patient outcomes. The market, estimated at $15 billion in 2025, is projected to exhibit a Compound Annual Growth Rate (CAGR) of 12% from 2025 to 2033, reaching an estimated $45 billion by 2033. This expansion is fueled by several key factors. The shift towards value-based care is compelling healthcare providers to leverage CDS solutions for improved care coordination and reduced medical errors. Furthermore, advancements in artificial intelligence (AI) and machine learning (ML) are enabling the development of more sophisticated and accurate CDS tools, capable of analyzing vast datasets to provide personalized recommendations and predict potential risks. The therapeutic CDS segment is expected to dominate the market due to its crucial role in optimizing treatment plans and improving patient adherence. Key players like Cerner, McKesson, and Epic Systems are actively investing in research and development, expanding their product portfolios, and pursuing strategic partnerships to maintain their competitive edge in this rapidly evolving landscape. The market segmentation reveals significant opportunities across diverse applications and geographical regions. Advanced CDS solutions, leveraging AI and big data analytics, are witnessing higher growth rates compared to conventional systems. Geographically, North America currently holds the largest market share, attributed to higher healthcare expenditure, advanced technological infrastructure, and the early adoption of CDS systems. However, the Asia-Pacific region is expected to witness substantial growth in the coming years, driven by increasing healthcare investment and rising technological adoption rates in countries like India and China. Despite the positive outlook, regulatory hurdles, data privacy concerns, and the high cost of implementation remain challenges that could potentially restrain market growth. However, the continuous advancements in technology and the growing awareness of the benefits of CDS are expected to mitigate these challenges, propelling the market towards sustained growth.

United States - National Rate on Jumbo Deposits (greater or equal to $100,000): 24 Month CD (DISCONTINUED) was 0.19% in March of 2021, according to the United States Federal Reserve. Historically, United States - National Rate on Jumbo Deposits (greater or equal to $100,000): 24 Month CD (DISCONTINUED) reached a record high of 1.58 in May of 2009 and a record low of 0.19 in March of 2021. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - National Rate on Jumbo Deposits (greater or equal to $100,000): 24 Month CD (DISCONTINUED) - last updated from the United States Federal Reserve on July of 2025.

Congo, The Democratic Republic of the CD: Official Exchange Rate: Average: per USD data was reported at 1,464.418 CDF/USD in 2017. This records an increase from the previous number of 1,010.303 CDF/USD for 2016. Congo, The Democratic Republic of the CD: Official Exchange Rate: Average: per USD data is updated yearly, averaging 0.000 CDF/USD from Dec 1960 (Median) to 2017, with 58 observations. The data reached an all-time high of 1,464.418 CDF/USD in 2017 and a record low of 0.000 CDF/USD in 1990. Congo, The Democratic Republic of the CD: Official Exchange Rate: Average: per USD data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Democratic Republic of Congo – Table CD.World Bank.WDI: Exchange Rates and Real Effective Exchange Rates. Official exchange rate refers to the exchange rate determined by national authorities or to the rate determined in the legally sanctioned exchange market. It is calculated as an annual average based on monthly averages (local currency units relative to the U.S. dollar).; ; International Monetary Fund, International Financial Statistics.; ;

This analysis presents a rigorous exploration of financial data, incorporating a diverse range of statistical features. By providing a robust foundation, it facilitates advanced research and innovative modeling techniques within the field of finance.

CD Chindata Group Holdings Limited American Depositary Shares

Financial data:

• Historical daily stock prices (open, high, low, close, volume)

• Fundamental data (e.g., market capitalization, price to earnings P/E ratio, dividend yield, earnings per share EPS, price to earnings growth, debt-to-equity ratio, price-to-book ratio, current ratio, free cash flow, projected earnings growth, return on equity, dividend payout ratio, price to sales ratio, credit rating)

• Technical indicators (e.g., moving averages, RSI, MACD, average directional index, aroon oscillator, stochastic oscillator, on-balance volume, accumulation/distribution A/D line, parabolic SAR indicator, bollinger bands indicators, fibonacci, williams percent range, commodity channel index)

Machine learning features:

• Feature engineering based on financial data and technical indicators

• Sentiment analysis data from social media and news articles

• Macroeconomic data (e.g., GDP, unemployment rate, interest rates, consumer spending, building permits, consumer confidence, inflation, producer price index, money supply, home sales, retail sales, bond yields)

Potential Applications:

• Stock price prediction

• Portfolio optimization

• Algorithmic trading

• Market sentiment analysis

• Risk management

Use Cases:

• Researchers investigating the effectiveness of machine learning in stock market prediction

• Analysts developing quantitative trading Buy/Sell strategies

• Individuals interested in building their own stock market prediction models

• Students learning about machine learning and financial applications

Additional Notes:

• The dataset may include different levels of granularity (e.g., daily, hourly)

• Data cleaning and preprocessing are essential before model training

• Regular updates are recommended to maintain the accuracy and relevance of the data

Congo, The Democratic Republic of the CD: Import: Cost: Border Compliance data was reported at 3,039.000 USD in 2017. This stayed constant from the previous number of 3,039.000 USD for 2016. Congo, The Democratic Republic of the CD: Import: Cost: Border Compliance data is updated yearly, averaging 3,039.000 USD from Dec 2014 (Median) to 2017, with 4 observations. The data reached an all-time high of 3,039.000 USD in 2017 and a record low of 3,039.000 USD in 2017. Congo, The Democratic Republic of the CD: Import: Cost: Border Compliance data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Democratic Republic of Congo – Table CD.World Bank: Trade Statistics. Border compliance captures the time and cost associated with compliance with the economy’s customs regulations and with regulations relating to other inspections that are mandatory in order for the shipment to cross the economy’s border, as well as the time and cost for handling that takes place at its port or border. The time and cost for this segment include time and cost for customs clearance and inspection procedures conducted by other government agencies.; ; World Bank, Doing Business project (http://www.doingbusiness.org/).; Unweighted average; Insurance cost and informal payments for which no receipt is issued are excluded from the costs recorded. Costs are reported in U.S. dollars. Contributors are asked to convert local currency into U.S. dollars based on the exchange rate prevailing on the day they answer the questionnaire. Contributors are private sector experts in international trade logistics and are informed about exchange rates and their movements. Data are presented for the survey year instead of publication year.

Congo, The Democratic Republic of the CD: External Debt: DOD: Stocks: Variable Rate data was reported at 24.715 USD mn in 2016. This records a decrease from the previous number of 31.275 USD mn for 2015. Congo, The Democratic Republic of the CD: External Debt: DOD: Stocks: Variable Rate data is updated yearly, averaging 539.254 USD mn from Dec 1970 (Median) to 2016, with 47 observations. The data reached an all-time high of 2.174 USD bn in 2003 and a record low of 0.000 USD mn in 1970. Congo, The Democratic Republic of the CD: External Debt: DOD: Stocks: Variable Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Democratic Republic of Congo – Table CD.World Bank: External Debt: Debt Outstanding, Debt Ratio and Debt Service. Variable interest rate is long-term external debt with interest rates that float with movements in a key market rate; for example, the London interbank offered rate (LIBOR) or the U.S. prime rate. This item conveys information about the borrower's exposure to changes in international interest rates. Long-term external debt is defined as debt that has an original or extended maturity of more than one year and that is owed to nonresidents by residents of an economy and repayable in currency, goods, or services. Data are in current U.S. dollars.; ; World Bank, International Debt Statistics.; Sum;