Federal Reserve Statistical Release, H.15, Selected Interest Rates (Weekly); title with eagle logo links to Statistical Release home page
Release Date: January 5, 2009
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                  Addition of rates posted by Commercial Paper Funding Facility (CPFF)

   As of the release on January 5, 2009, the H.15 will include rates for financial and nonfinancial
   commercial paper posted by the Commercial Paper Funding Facility (CPFF). Historical data will be
   provided from October 27, 2008, the date when the CPFF began funding purchases of eligible
   commercial paper. Further information on the CPFF is available at
   www.federalreserve.gov/monetarypolicy/cpff.htm.

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  FEDERAL RESERVE STATISTICAL RELEASE

   H.15 (519) SELECTED INTEREST RATES
   For use at 2:30 p.m. Eastern Time

 Yields in percent per annum                  January 5, 2009

                                              2008   2008   2008   2009   2009   Week Ending   2008  
                  Instruments                 Dec    Dec    Dec    Jan    Jan    Jan    Dec    Dec   
                                               29     30     31     1*     2      2      26          
   Federal funds (effective) 1 2 3            0.10   0.09   0.14   0.14   0.08   0.10   0.11   0.16  
   Commercial Paper 3 4 5 6                                                                          
      Nonfinancial                                                                                   
         1-month                              0.12   0.10   0.12          0.12   0.12   0.14   0.25  
         2-month                              n.a.   n.a.   n.a.          0.20   0.20   n.a.   0.71  
         3-month                              n.a.   n.a.   n.a.          n.a.   n.a.   n.a.   0.97  
      Financial                                                                                      
         1-month                              0.33   0.34   0.35          0.38   0.35   0.29   0.60  
         2-month                              0.50   0.60   n.a.          0.33   0.48   0.41   0.83  
         3-month                              n.a.   n.a.   n.a.          0.40   0.40   0.44   1.09  
      3-month nonfinancial or financial                                                              
         posted by CPFF 7                                                                            
            Without surcharge                 1.21   1.18   1.18          1.18   1.19   1.22   1.26  
            With surcharge                    2.21   2.18   2.18          2.18   2.19   2.22   2.26  
   CDs (secondary market) 3 8                                                                        
      1-month                                 0.46   0.43   0.39          0.43   0.43   0.50   1.04  
      3-month                                 1.40   1.35   1.33          1.32   1.35   1.38   1.77  
      6-month                                 1.83   1.72   1.70          1.70   1.74   1.80   2.18  
   Eurodollar deposits (London) 3 9                                                                  
      1-month                                 1.00   1.00   0.80          0.80   0.90   1.21   1.75  
      3-month                                 2.00   2.00   1.75          1.75   1.88   2.00   2.47  
      6-month                                 2.50   2.50   2.50          2.50   2.50   2.50   2.97  
   Bank prime loan 2 3 10                     3.25   3.25   3.25   3.25   3.25   3.25   3.25   3.61  
   Discount window primary credit 2 11        0.50   0.50   0.50   0.50   0.50   0.50   0.50   0.86  
   U.S. government securities                                                                        
      Treasury bills (secondary market) 3 4                                                          
         4-week                               0.04   0.11   0.11          0.04   0.08   0.01   0.03  
         3-month                              0.06   0.10   0.11          0.08   0.09   0.02   0.03  
         6-month                              0.25   0.26   0.27          0.28   0.27   0.25   0.26  
         1-year                               0.34   0.32   0.35          0.38   0.35   0.38   0.47  
      Treasury constant maturities                                                                   
         Nominal 12                                                                                  
            1-month                           0.04   0.11   0.11          0.04   0.08   0.01   0.03  
            3-month                           0.06   0.10   0.11          0.08   0.09   0.02   0.03  
            6-month                           0.25   0.26   0.27          0.28   0.27   0.25   0.26  
            1-year                            0.36   0.34   0.37          0.40   0.37   0.40   0.49  
            2-year                            0.78   0.75   0.76          0.88   0.79   0.89   0.82  
            3-year                            0.96   0.94   1.00          1.14   1.01   1.12   1.07  
            5-year                            1.45   1.47   1.55          1.72   1.55   1.50   1.52  
            7-year                            1.75   1.76   1.87          2.07   1.86   1.79   1.89  
            10-year                           2.13   2.11   2.25          2.46   2.24   2.18   2.42  
            20-year                           2.94   2.88   3.05          3.22   3.02   2.93   3.18  
            30-year                           2.63   2.58   2.69          2.83   2.68   2.62   2.87  
         Inflation indexed 13                                                                        
            5-year                            1.66   1.72   1.81          1.97   1.79   1.79   1.76  
            7-year                            1.84   1.86   1.96          2.12   1.95   1.91   1.96  
            10-year                           2.02   2.02   2.14          2.29   2.12   2.04   2.17  
            20-year                           2.21   2.20   2.36          2.51   2.32   2.16   2.32  
      Inflation-indexed long-term average 14  2.28   2.27   2.43          2.59   2.39   2.24   2.43  
   Interest rate swaps 15                                                                            
      1-year                                  1.27   1.23   1.27          1.26   1.26   1.35   1.62  
      2-year                                  1.45   1.46   1.46          1.50   1.47   1.57   1.76  
      3-year                                  1.69   1.73   1.75          1.78   1.74   1.82   2.00  
      4-year                                  1.89   1.93   1.95          2.02   1.95   2.01   2.19  
      5-year                                  2.05   2.09   2.10          2.17   2.10   2.15   2.34  
      7-year                                  2.25   2.30   2.30          2.40   2.31   2.35   2.54  
      10-year                                 2.44   2.50   2.49          2.61   2.51   2.53   2.70  
      30-year                                 2.67   2.71   2.69          2.78   2.72   2.68   2.69  
   Corporate bonds                                                                                   
      Moody's seasoned                                                                               
         Aaa 16                               4.74   4.64   n.a.          4.83   4.74   4.71   5.08  
         Baa                                  8.05   7.97   n.a.          8.18   8.07   8.09   8.46  
   State & local bonds 17                                          5.24          5.24   5.33   5.56  
   Conventional mortgages 18                                       5.10          5.10   5.14   5.33  

        * Markets closed. 
     n.a. Not available.  

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  Footnotes

   1. The daily effective federal funds rate is a weighted average of rates on brokered trades.

   2. Weekly figures are averages of 7 calendar days ending on Wednesday of the current week; monthly
   figures include each calendar day in the month.

   3. Annualized using a 360-day year or bank interest.

   4. On a discount basis.

   5. Interest rates interpolated from data on certain commercial paper trades settled by The
   Depository Trust Company. The trades represent sales of commercial paper by dealers or direct
   issuers to investors (that is, the offer side). The 1-, 2-, and 3-month rates are equivalent to the
   30-, 60-, and 90-day dates reported on the Board's Commercial Paper Web page
   (www.federalreserve.gov/releases/cp/).

   6. Financial paper that is insured by the FDIC's Temporary Liquidity Guarantee Program is not
   excluded from relevant indexes, nor is any financial or nonfinancial commercial paper that may be
   directly or indirectly affected by one or more of the Federal Reserve's liquidity facilities. Thus
   the rates published after September 19, 2008, likely reflect the direct or indirect effects of the
   new temporary programs and, accordingly, likely are not comparable for some purposes to rates
   published prior to that period.

   7. CPFF refers to the Federal Reserve's Commercial Paper Funding Facility. The rates are identical
   under the CPFF for financial and nonfinancial commercial paper. An issuer of commercial paper into
   the CPFF may avoid the surcharge by providing a collateral arrangement or indorsement that is
   acceptable to the Federal Reserve Bank of New York. Source: Federal Reserve Bank of New York.

   8. An average of dealer bid rates on nationally traded certificates of deposit.

   9. Bid rates for Eurodollar deposits collected around 9:30 a.m. Eastern time.

   10. Rate posted by a majority of top 25 (by assets in domestic offices) insured U.S.-chartered
   commercial banks. Prime is one of several base rates used by banks to price short-term business
   loans.

   11. The rate charged for discounts made and advances extended under the Federal Reserve's primary
   credit discount window program, which became effective January 9, 2003. This rate replaces that for
   adjustment credit, which was discontinued after January 8, 2003. For further information, see
   www.federalreserve.gov/boarddocs/press/bcreg/2002/200210312/default.htm. The rate reported is that
   for the Federal Reserve Bank of New York. Historical series for the rate on adjustment credit as
   well as the rate on primary credit are available at www.federalreserve.gov/releases/h15/data.htm.

   12. Yields on actively traded non-inflation-indexed issues adjusted to constant maturities. The
   30-year Treasury constant maturity series was discontinued on February 18, 2002, and reintroduced
   on February 9, 2006. From February 18, 2002, to February 9, 2006, the U.S. Treasury published a
   factor for adjusting the daily nominal 20-year constant maturity in order to estimate a 30-year
   nominal rate. The historical adjustment factor can be found at
   www.treas.gov/offices/domestic-finance/debt-management/interest-rate/ltcompositeindex_historical.shtml.
   Source: U.S. Treasury.

   13. Yields on Treasury inflation protected securities (TIPS) adjusted to constant maturities.
   Source: U.S. Treasury. Additional information on both nominal and inflation-indexed yields may be
   found at www.treas.gov/offices/domestic-finance/debt-management/interest-rate/index.html.

   14. Based on the unweighted average bid yields for all TIPS with remaining terms to maturity of
   more than 10 years.

   15. International Swaps and Derivatives Association (ISDA(R)) mid-market par swap rates. Rates are
   for a Fixed Rate Payer in return for receiving three month LIBOR, and are based on rates collected
   at 11:00 a.m. Eastern time by Garban Intercapital plc and published on Reuters Page ISDAFIX(R)1.
   ISDAFIX is a registered service mark of ISDA. Source: Reuters Limited.

   16. Moody's Aaa rates through December 6, 2001, are averages of Aaa utility and Aaa industrial bond
   rates. As of December 7, 2001, these rates are averages of Aaa industrial bonds only.

   17. Bond Buyer Index, general obligation, 20 years to maturity, mixed quality; Thursday quotations.

   18. Contract interest rates on commitments for fixed-rate first mortgages. Source: Primary Mortgage
   Market Survey(R) data provided by Freddie Mac.

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   Note: Weekly and monthly figures on this release, as well as annual figures available on the
   Board's historical H.15 web site (see below), are averages of business days unless otherwise noted.

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   Current and historical H.15 data are available on the Federal Reserve Board's web site
   (www.federalreserve.gov/). For information about individual copies or subscriptions, contact
   Publications Services at the Federal Reserve Board (phone 202-452-3244, fax 202-728-5886). For paid
   electronic access to current and historical data, call STAT-USA at 1-800-782-8872 or 202-482-1986.

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           Description of the Treasury Nominal and Inflation-Indexed Constant Maturity Series

   Yields on Treasury nominal securities at "constant maturity" are interpolated by the U.S. Treasury
   from the daily yield curve for non-inflation-indexed Treasury securities. This curve, which relates
   the yield on a security to its time to maturity, is based on the closing market bid yields on
   actively traded Treasury securities in the over-the-counter market. These market yields are
   calculated from composites of quotations obtained by the Federal Reserve Bank of New York. The
   constant maturity yield values are read from the yield curve at fixed maturities, currently 1, 3,
   and 6 months and 1, 2, 3, 5, 7, 10, 20, and 30 years. This method provides a yield for a 10-year
   maturity, for example, even if no outstanding security has exactly 10 years remaining to maturity.
   Similarly, yields on inflation-indexed securities at "constant maturity" are interpolated from the
   daily yield curve for Treasury inflation protected securities in the over-the-counter market. The
   inflation-indexed constant maturity yields are read from this yield curve at fixed maturities,
   currently 5, 7, 10, and 20 years.

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