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822. Money Market Interest Rates and Mortgage Rates

[Percent per year. Annual averages of monthly data, except as indicated.

 
Type 1970 1975 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999
 
Federal funds, effective rate 7.17 5.82 13.35 16.39 12.24 9.09 10.23 8.10 6.80 6.66 7.57 9.21 8.10 5.69 3.52 3.02 4.21 5.83 5.30 5.46 5.35 4.97
Prime rate charged by banks 7.91 7.86 15.26 18.87 14.85 10.79 12.04 9.93 8.33 8.21 9.32 10.87 10.01 8.46 6.25 6.00 7.15 8.83 8.27 8.44 8.35 8.00
Eurodollar deposits, 3-month 8.52 7.03 14.00 16.79 13.12 9.57 10.75 8.27 6.70 7.07 7.85 9.16 8.16 5.86 3.70 3.18 4.63 5.93 5.38 5.61 5.45 5.31
Bankers acceptances, 3-month 1 7.23 6.29 12.67 15.34 11.89 8.91 10.17 7.91 6.38 6.75 7.56 8.87 7.93 5.70 3.62 3.13 4.56 5.81 5.31 5.54 5.39 5.24
Bankers acceptances, 6-month 1 (NA) (NA) 12.20 14.68 11.83 8.92 10.21 7.95 6.28 6.78 7.60 8.67 7.80 5.67 3.67 3.21 4.83 5.80 5.31 5.57 5.30 5.30
Large negotiable CD's:
  3-month, secondary market 7.56 6.44 13.07 15.91 12.27 9.07 10.37 8.05 6.52 6.86 7.73 9.09 8.15 5.83 3.68 3.17 4.63 5.92 5.39 5.62 5.47 5.19
  6-month, secondary market 7.64 6.90 12.94 15.79 12.57 9.28 10.71 8.24 6.50 7.01 7.91 9.08 8.17 5.91 3.76 3.28 4.96 5.98 5.47 5.73 5.44 5.33
Taxable money market funds 2 (NA) 6.36 12.68 16.82 12.23 8.58 10.04 7.71 6.26 6.12 7.11 8.87 7.82 5.71 3.36 2.70 3.75 5.48 4.95 5.10 5.04 4.64
Tax-exempt money market funds 2 (NA) (NA) (NA) (NA) 6.86 4.82 5.61 4.90 4.31 4.14 4.79 5.90 5.45 4.13 2.58 1.97 2.38 3.39 2.99 3.14 2.94 2.72
 
Certificates of deposit (CD's): 3
  6-month (NA) (NA) (NA) (NA) (NA) (NA) 9.99 8.05 6.51 6.60 7.34 8.55 7.79 5.80 3.51 2.88 3.42 4.92 4.68 4.86 4.58 4.27
  1-year (NA) (NA) (NA) (NA) (NA) (NA) 10.37 8.53 6.75 6.92 7.66 8.65 7.92 6.03 3.78 3.16 4.01 5.39 4.95 5.15 4.81 4.56
  2 1/2-year (NA) (NA) (NA) (NA) (NA) 10.06 10.82 9.32 7.13 7.35 7.99 8.58 7.96 6.46 4.56 3.80 4.58 5.69 5.14 5.40 4.93 4.74
  5-year (NA) (NA) (NA) (NA) (NA) (NA) 11.25 9.99 7.60 7.87 8.35 8.56 8.06 7.02 5.76 4.98 5.42 6.00 6.46 5.66 5.08 4.93
 
U.S. Government securities:
  Secondary market: 4
    3-month Treasury bill 6.39 5.78 11.39 14.04 10.60 8.62 9.54 7.47 5.97 5.78 6.67 8.11 7.50 5.38 3.43 3.00 4.25 5.49 5.01 5.06 4.78 4.64
    6-month Treasury bill 6.48 6.09 11.32 13.81 11.06 8.74 9.78 7.65 6.02 6.03 6.91 8.03 7.46 5.44 3.54 3.12 4.64 5.56 5.08 5.18 4.83 4.75
    1-year Treasury bill 6.48 6.28 10.85 13.16 11.07 8.80 9.94 7.81 6.07 6.33 7.13 7.92 7.35 5.52 3.71 3.29 5.02 5.60 5.22 5.36 4.80 4.81
 
  Auction average: 5
    3-month Treasury bill 6.46 5.84 11.51 14.03 10.69 8.63 9.35 7.47 5.98 5.82 6.68 8.12 7.51 5.42 3.45 3.02 4.29 5.51 5.02 5.07 4.81 4.66
    6-month Treasury bill 6.56 6.12 11.37 13.78 11.08 8.75 9.77 7.64 6.03 6.05 6.92 8.04 7.47 5.49 3.57 3.14 4.66 5.59 5.09 5.18 4.85 4.76
    1-year Treasury bill 6.39 6.37 10.75 13.16 11.10 8.86 9.91 7.76 6.07 6.33 7.17 7.91 7.36 5.54 3.75 3.33 4.98 5.69 5.23 5.36 4.85 4.78
 
Home mortgages:
  HUD series: 6
    FHA insured, secondary market 7 9.02 9.18 13.44 16.31 15.30 13.11 13.81 12.24 9.91 10.16 10.49 10.24 10.17 9.25 8.46 7.46 8.68 8.18 8.19 7.89 7.04 7.74
    Conventional, new-home 8 9 8.52 9.10 13.95 16.52 15.79 13.43 13.80 12.28 10.07 10.17 10.30 10.21 10.08 9.20 8.43 7.37 8.58 8.05 8.03 7.76 7.00 7.45
    Conventional, existing-home 8 8.56 9.14 13.95 16.55 15.82 13.44 13.81 12.29 10.09 10.17 10.31 10.22 10.08 9.20 8.43 7.37 8.59 8.05 8.03 7.76 7.01 7.47
  Conventional, 15 yr. fixed 3 (NA) (NA) (NA) (NA) (NA) (NA) (NA) 11.48 10.05 10.04 10.14 10.03 9.73 8.76 7.80 6.65 7.77 7.39 7.28 7.16 6.58 7.09
  Conventional, 30 yr. fixed 3 (NA) (NA) (NA) (NA) (NA) (NA) (NA) 11.85 10.39 10.40 10.38 10.25 9.97 9.09 8.27 7.17 8.28 7.86 7.76 7.57 6.92 7.46




NA Not available.
1 Yields are quoted on a bank-discount basis, rather than an investment yield basis (which would give a higher figure). Based on representative closing yields. From Jan. 1, 1981, rates of top-rated banks only.
2 12 month return for period ending December 31. Source: IBC Financial Data, Inc., Ashland, MA, IBC's Money Market Insight, monthly (copyright).
3 Annual averages. Source: Financial Rates, Inc., North Palm Beach, FL, Bank Rate Monitor, weekly (copyright).
4 Averages based on daily closing bid yields, bank discount basis.
5 Averages computed on an issue-date basis; bank discount basis.
6 HUD=Housing and Urban Development.
7 Averages based on quotations for 1 day each month as compiled by FHA.
8 Primary market.
9 Average contract rates on new commitments.

Source: Except as noted, Board of Governors of the Federal Reserve System, Federal Reserve Bulletin, monthly, and Annual Statistical Digest.

http://www.federalreserve.gov/rnd.htm



https://allcountries.org/uscensus/822_money_market_interest_rates_and_mortgage.html

These tables are based on figures supplied by the United States Census Bureau, U.S. Department of Commerce and are subject to revision by the Census Bureau.

Copyright © 2006 Photius Coutsoukis and Information Technology Associates, all rights reserved.