Federal reserve credit card statistics Most adults had a bank account and were able to obtain credit in 2022, but notable gaps in access to financial services still exist, particularly among those with low income, Black and Hispanic adults, and those with a disability. We also sampled all other individuals living at the same address as Provides information on credit card availability and use, and expectations and experiences with auto loans. Feb 13, 2025 · Credit card balances rose in the fourth quarter of 2024, the New York Fed found. You can make transfers, check balances, and view e-statements. Introduction Consumer credit card balances in the United States experienced unprecedented declines during the COVID-19 pandemic. 4 percent year over year, respectively. 0 percent, while nonrevolving credit increased at an annual rate of 2. These indicators are generated using the Federal Reserve Bank of New York Consumer Credit Panel/Equifax Data, which is a nationally representative dataset of anonymized individual credit files (see "Data Sources" for details). At year-end 1948, the Credit Union had 240 members, assets of $9,195 and loans of $6,258. Amarillo City Federal Credit Union was organized on March 12, 1948 for City of Amarillo Employees. — 6:00 p. Data reported here is from the Networks, Processors, and Issuers Payments Surveys (NPIPS), which include a census of major general-purpose card networks, private Nov 13, 2024 · Collectively, Americans owe a record $1. population. Estimates reported here are based on the Depository and Financial Institutions Payments Survey (DFIPS), which collects voluntary data from commercial banks, savings institutions, and credit unions. May 13, 2025 · About the Report The Federal Reserve Bank of New York’s Household Debt and Credit Report provides unique data and insight into the credit conditions and activity of U. The report is based on data from the New York Fed’s nationally representative Consumer Credit Panel. and credit card debt had reached $1. Consumer spending continues to remain strong, despite high borrowing costs. The report shows total household debt increased by $93 billion (0. 19 Consumer Credit statistical release, revolving consumer credit fell more than $120 billion (11 City Federal Credit Union for banking, lending, ATM and credit cards. May 13, 2025 · By tracking consumer payment transactions and preferences annually during the month of October, Federal Reserve Financial Services compares cash with other payment instruments, such as credit and debit cards, checks and electronic payment options. Apr 6, 2017 · State Member Banks Supervised by the Federal Reserve Federal Financial Institutions Examination Council (FFIEC) Structure and Share Data for the U. Adams, Vitaly M. 269 economic data series with tag: Credit Cards. 4 percent of debit card owners experienced card - related 5. Data are based on a nationally representative Jul 8, 2025 · The Board of Governors of the Federal Reserve System and the Federal Reserve Bank of St. Soncy Lobby and Drive-Thru Hours M-Th 9:00 a. Interest rates are annual percentage rates (APR) as specified by the Federal Reserve’s Regulation Z. The findings reveal that amid the increasing digitalization of payments, consumers continue to use and keep cash handy. Nov 7, 2025 · Consumer Credit Historical Data PDF Data Download Levels Tables Seasonally adjusted Not seasonally adjusted Major holders Depository institutions Finance companies Credit unions Federal government and Sallie Mae Nonprofit and educational institutions Major types of credit Revolving Nonrevolving Memo Terms of credit Flows Tables Seasonally adjusted Overview The Federal Reserve reports on the profitability of credit card operations of depository institutions, as directed by section 8 of the Fair Credit and Charge Card Disclosure Act of 1988. Survey data from the Federal Reserve Bank of Atlanta found that in 2023, 11. The FRBNY Consumer Credit Panel consists of detailed Equifax credit-report data for a unique longitudinal quarterly panel of individuals and households from 1999 to 2024. As increased credit card usage, remote payments and payments made with a mobile device continued to drive growth in overall Jun 2, 2023 · Banking and Credit Access to financial services from banks and credit unions can be important for people's financial well-being. The 2019 Federal Reserve Payments Study (2019 study) is the seventh in a series of triennial studies conducted by the Federal Reserve System since 2001 to estimate aggregate trends in noncash payments in the United States. Apr 9, 2025 · Firms Expand Credit Access for High-End Borrowers, While Card Consumers Are Under Pressure Firms increased credit access for card borrowers who qualify for large credit lines. However, debit card Note: All estimates are on a triennial basis, except that card payments were estimated for every year since 2015. In September, consumer credit increased at an annual rate of 3. Apr 2, 2025 · Credit card delinquencies rose steadily for subprime borrowers from March 2022, when monetary policy tightening began, to November 2024. consumers. Q: How do I use Home Banking? A: In order to utilize the Home Banking service you need to log in through our Website. Because the effects of the accounting change on the dollar volume of loans reported on banks' loan books were small, the effects of the accounting change on banks' charge-off and delinquency rates were presumably May 27, 2022 · Banking and Credit Access to financial services from banks and credit unions can be important for people's financial well-being. This report analyzes the profitability over time of credit card operations by examining the perfor-mance of institutions that specialize in such activities. Learn more about the DDP and FRED partnership . 9 percent. Sep 9, 2022 · The Federal Reserve Board produces an annual report on the profitability of depository institutions' credit card operations, and the Consumer Financial Protection Bureau produces a biannual report that details many aspects of the consumer credit card market, including the cost of credit cards. For credit card accounts, the rate for all accounts is the stated APR Dec 20, 2024 · December 20, 2024 "The Only Way I Could Afford It": Who Uses BNPL and Why Jeff Larrimore, Alicia Lloro, Zofsha Merchant, and Anna Tranfaglia Introduction Buy now, pay later (BNPL) is a fast-growing credit product that allows consumers to split payments over time. 2 Mar 28, 2024 · Though cardholders of any age are likely to have credit card debt, the amount varies by age. Return to text Figure 2a. 39% for all credit card accounts and 22. Friday 9:00 a. 32 trillion, with an average interest rate of 21. 3 days ago · Graph and download economic data for Delinquency Rate on Credit Card Loans, All Commercial Banks (DRCCLACBS) from Q1 1991 to Q3 2025 about credit cards, delinquencies, commercial, loans, banks, depository institutions, rate, and USA. Data from Q4 2023 show deteriorating credit card performance, declining mortgage originations, and housing affordability issues. Dividends are paid monthly based on the average daily balance for the month. 23 trillion outstanding and are 5. Membership available to all. Feb 28, 2025 · We include two measures of credit availability. Jul 22, 2025 · FRED has added 67 new series to its Large Bank Credit Card and Mortgage Data release. Sep 9, 2022 · Prior to 2010, some credit card banks held large portfolios of credit-card-backed securities off-balance-sheet. Auto loan balances held steady, remaining at $1. It includes a one-page summary of key Jul 8, 2025 · For immediate release Contact: Sarah Katz, Media Relations Philadelphia, PA – The Federal Reserve Bank of Philadelphia has expanded its Large Bank Credit Card and Mortgage Data series with 67 new measurements that will allow users to better understand how consumers are using and accessing credit cards and mortgages from the country’s largest banking institutions. payments system to policymakers, the industry, and the public. Saturday 9:00 a. Other balances, which include retail cards and consumer finance loans, rose by $10 billion and now total $550 billion. Still, credit card delinquency rates improved in the Feb 28, 2025 · The model is trained on quarterly data from 2000:Q1 through 2019:Q4; the out of sample period of 2020:Q1 through 2024:Q3 is highlighted in blue. The Board of Governors of the Federal Reserve System and the Federal Reserve Bank of St. Bord, and Bradley Katcher 1. 5 percent of credit card owners and 9. Dec 6, 2024 · In this short analysis, we use a recently released detailed version of the Federal Reserve Bank of New York Consumer Credit Panel (CCP)/Equifax credit bureau data to construct measures of key credit-building products—secured credit cards and secured small-dollar loans—to bridge this data gap. Fraud statistics show significant growth in payment card fraud in the United States since the COVID-19 pandemic. The additional 15 credit Nov 18, 2024 · Last week, the Federal Reserve released new information about card payments and alternative payment methods by consumers and businesses in the United States. m. Source: Call Report and Federal Reserve Board, Form FR Y-14M, Capital Assessments and Stress Testing. The Federal Reserve has added new variables to its quarterly credit card and mortgage data series, including 15 new credit card measurements. Comparing cards with and without rewards, we find that, regardless of income, sophisticated individuals profit from reward credit cards at the expense of na ̈ıve consumers. Oct 17, 2025 · Graph and download economic data for Large Bank Consumer Credit Card Balances: Total Balances (RCCCBBALTOT) from Q3 2012 to Q2 2025 about FR Y-14M, credit cards, consumer credit, large, balance, loans, consumer, banks, depository institutions, and USA. Field of Membership for City Federal Credit Union: Employee Groups Are: City Of Amarillo City Of Canyon Employees and Fire Department City Of Panhandle Amarillo Hardware Company Sell and Griffin Attorneys Office Panhandle Regional Planning Commission (PRPC) People's Federal Credit Union Potter-Randall Appraisal District City Federal Credit Union Home Banking Questions and Answers Q: What is Home Banking? A: Home Banking allows you to view your account from the comfort of your home. Fewer applicants were denied credit in 2021 Mar 6, 2025 · The Federal Reserve Payments Study (FRPS) is an ongoing effort to estimate aggregate trends in noncash payments in the United States. FRED: Download, graph, and track economic data. 1 These data cover about 80 percent of credit card balances in the United States. Offices of Foreign Banks Senior Credit Officer Opinion Survey on Dealer Financing Terms Statistics Reported by Banks and Other Financial Firms in the United States By tracking consumer payment transactions and preferences annually during the month of October, Federal Reserve Financial Services compares cash with other payment instruments, such as debit and credit cards, checks and electronic options. Aug 18, 2025 · Graph and download economic data for Charge-Off Rate on Credit Card Loans, Banks Ranked 1st to 100th Largest in Size by Assets (CORCCT100S) from Q1 1985 to Q2 2025 about charge-offs, credit cards, loans, assets, banks, depository institutions, rate, and USA. Mobile app, auto loans, home equity, checking. Credit card balances rose by $24 billion during the third quarter and now total $1. December 2022 Abstract We study credit card rewards as an ideal laboratory to quantify redistribution be-tween consumers in retail financial markets. Users can The FRBNY Consumer Credit Panel consists of detailed Equifax credit-report data for a unique longitudinal quarterly panel of individuals and households from 1999 to 2024. According to 2022 data from the Federal Reserve, Americans between the ages of 45 and 54 are most The Federal Reserve Payments Study (FRPS) is an ongoing effort to estimate aggregate trends in noncash payments in the United States, offering a periodic benchmark of developments in the U. 17 trillion on their credit cards, according to a new report from the Federal Reserve Bank of New York. The Consumer Credit Explorer (CCE) enables users to look at quarterly changes in credit use indicators and to compare trends across different geographies. 2 Oct 17, 2025 · Graph and download economic data for Large Bank Consumer Credit Card Balances: Current Credit Score: 50th Percentile (RCCCBSCOREPCT50) from Q3 2012 to Q2 2025 about score, FR Y-14M, credit cards, consumer credit, large, balance, credits, percentile, loans, consumer, banks, depository institutions, and USA. 04 trillion. Most adults had a bank account and were able to obtain credit from mainstream sources in 2021, but notable gaps in access to basic financial services still exist among Black and Hispanic adults and those with low income. 17 trillion last quarter, according to New York Federal Reserve data. Special Notes The adoption by some banks of FAS 159, The Fair Value Option for Financial Assets and Financial Liabilities, affected charge-off and delinquency rate data for 2008:1. Savings & Checking With a minimum opening deposit of $20. 19. Aug 13, 2025 · We use large-scale, detailed credit card data from the last 10 years to look for an explanation for this resilience and to learn whether cracks may be forming, and if so, where. Based on data from the New York Fed’s Consumer Credit Panel, a nationally representative sample drawn from anonymized Equifax credit data, the report provides a quarterly snapshot of household trends in Jul 11, 2025 · Key Takeaways Credit card delinquencies fell as balances declined more than $40 billion in the first quarter of 2025, according to a new Federal Reserve report. Nov 5, 2025 · Graph and download economic data for Consumer Loans: Credit Cards and Other Revolving Plans, All Commercial Banks (CCLACBW027SBOG) from 2000-06-28 to 2025-11-05 about revolving, credit cards, loans, consumer, banks, depository institutions, and USA. We also sampled all other individuals living at the same address as Jan 12, 2024 · The Effects of Credit Score Migration on Subprime Auto Loan and Credit Card Delinquencies, Accessible Data May 13, 2025 · The latest quarterly data on household debt from the Federal Reserve indicated that consumers pared back credit card debt. 5%) in Q4 2024, to $18. Credit card payments include general-purpose and private-label versions. Term Share Certificates Term Share Certificates offer a higher-yield alternative to a traditional savings account. At a high level, the data show that consumers are continuing to dominate the card space, with 94 The Federal Reserve Bank of Philadelphia’s interactive dashboard makes it easier to analyze Large Bank Credit Card and Mortgage Data in detail and over time. consumers’ payment habits. I use Federal Reserve Y-14M data on the majority of credit card accounts issued by US banks 1 to test the authors’ results and conclusions. Revolving credit increased at an annual rate of 2. May 9, 2025 · Percentage of People with Credit Card Debt 30 Days Delinquent SOURCES: Federal Reserve Bank of New York Consumer Credit Panel/Equifax and authors’ calculations. This site has G. Nov 7, 2025 · Revolving credit increased at an annual rate of 2. 1 The panel is a nationally representative 5% random sample of all individuals with a social security number and a credit report (usually aged 19 and over). Therefore, average quarterly assets prior to 2010 include on-balance sheet credit card securitizations. The data are reported by the Federal Reserve Bank of Philadelphia. Together, these Apr 4, 2025 · A Federal Reserve survey of risk officers at financial institutions found that debit card fraud drove fraud losses at those institutions in 2024, followed closely by check fraud. The Philadelphia Fed uses information collected by the Federal Reserve through a mandatory monthly report known as FR Y-14M. The first is the net fraction of banks reporting on the Federal Reserve's Senior Loan Officer Opinion Survey that they had tightened underwriting standards on credit card loans over the past three months, weighted by bank credit card balances and lagged [four] quarters. 19 releases for the following date (s): National Payment Volumes, Detailed Data, NPIPS (CY 2021 and 2022) Cards and Alternative Payments Released November 2024 The Federal Reserve Payments Study (FRPS) is an ongoing effort to quantify aggregate noncash payment volumes. A certificate may be opened with a minimum deposit of $2500. 00, you are purchasing a share of the credit union. 1 percent. Banking in Amarillo. Mar 6, 2025 · Notes on the Detailed Data, NPIPS, 2015-2022 Released November 2024 Sources The Federal Reserve Payments Study (FRPS) produces national estimates of the number and value of noncash payments via the Depository and Financial Institutions Payments Survey (DFIPS) and the Networks, Processors, and Issuers Payments Surveys (NPIPS), and is supplemented by other information collected by the Federal Apr 2, 2025 · They attribute this outcome to banks issuing credit cards to riskier consumers in the more recent years, that is, consumers who were less likely to pay off their debts. Feb 13, 2025 · NEW YORK—The Federal Reserve Bank of New York’s Center for Microeconomic Data today issued its Quarterly Report on Household Debt and Credit. Interest rates for new-car loans and personal loans at commercial banks are simple unweighted averages of each bank’s most common rate charged during the first calendar week of the middle month of each quarter. 7 percent during the third quarter. City Federal Credit Union is privileged to have the leadership of its Board of Directors. Jan 12, 2024 · The Effects of Credit Score Migration on Subprime Auto Loan and Credit Card Delinquencies, Accessible Data The FRBNY Consumer Credit Panel consists of detailed Equifax credit-report data for a unique longitudinal quarterly panel of individuals and households from 1999 to 2024. — 5:30 p. Use of relatively new financial Payment card fraud is a perennial concern for consumers, merchants, financial institutions, and policymakers. Specifically, the latest Federal Reserve Payments Study looks at general-purpose (GP) credit, non-prepaid debit, and prepaid debit card use. 66 trillion. We offer terms from ninety one Main Office Number: (806)373-4313 24/7 Debit Card Line: (888)263-3370 Lincoln Lobby Hours M-F 9:00 a. This report also Background and analysis from the New York Fed Consumer Credit Panel—the data set is regularly reported in the Quarterly Report on Household Debt and Credit Category: Banking > Consumer Credit, 155 economic data series, FRED: Download, graph, and track economic data. We also sampled all other individuals living at the same address as The FRBNY Consumer Credit Panel consists of detailed Equifax credit-report data for a unique longitudinal quarterly panel of individuals and households from 1999 to 2024. BNPL gained popularity as a new alternative credit product for online retail purchases over the past decade and has become available Dec 3, 2021 · December 03, 2021 Why Did Credit Card Balances Decline so Much during the COVID-19 Pandemic Robert M. Lincoln Drive-Thru Hours M-Th 9:00 a. For a complete list of new variables and associated descriptions, please visit the refreshed Variable Definitions page. Prepaid debit card payments include general-purpose, private-label, and electronic benefits transfer (EBT) versions. 83% for accounts with finance charge. According to the G. Oct 17, 2025 · Graph and download economic data for Large Bank Consumer Credit Card Balances: Utilization: Active Accounts Only: 75th Percentile (RCCCBACTIVEUTILPCT75) from Q3 2012 to Q2 2025 about FR Y-14M, utilities, consumer credit, large, balance, percentile, loans, consumer, banks, depository institutions, and USA. The 75th and 90th percentiles of current card limits moved up by 5 and 5. consumers have more credit card debt than ever before, hitting a fresh record $1. Oct 17, 2025 · The reporting provides users with aggregate data on credit card and first-lien mortgages including portfolio composition, credit performance, origination activities, credit card payment behavior, and credit card line utilization. --12:00 p. 1 This is the 32nd report. Main Office Number: (806)373-4313 24/7 Debit Card Line: (888)263-3370 Rates - City Federal Credit Union Rates We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information. To provide you with easy access to information, City Federal Credit Union may provide links to other websites such as mortgage companies, insurance companies, government agencies. Nov 7, 2025 · Consumer credit increased at a seasonally adjusted annual rate of 2. This brief contains initial results for 2018 on the national use of core noncash payment systems, defined as credit cards, prepaid and non-prepaid debit cards, the automated Jun 3, 2025 · Federal Reserve Financial Services recently released the 2025 Diary of Consumer Payment Choice, an annual study of U. As of January 2025, however, the subprime delinquency rate has fallen for two consecutive months. The 90th percentile’s growth is the third highest annual increase in the 12-year history of the series Profitability of Credit Card Operations of Depository Institutions Analyzes the profitability over time of depository institutions' credit card activities by examining the performance of larger institutions that specialize in such activities and of a sample of smaller commercial banks that offer a range of credit services. S. 75% above the level a year ago. Source: Authors’ calculations, from Federal Reserve Bank of New York CCP/Equifax, Federal Reserve Board, Bureau of Labor Statistics, Federal Reserve Board Statistical Release G. 00. Nov 7, 2025 · Home Data Consumer Credit - G. Federal Reserve Financial Services uses data from the Diary to understand consumer cash use and anticipate its ongoing role in the payments landscape. Jul 8, 2025 · As of the 2025 Q1 release, the Federal Reserve Bank of Philadelphia has added 15 credit card variables and 52 first-lien mortgage variables to the Large Bank Credit Card and Mortgage Data. NOTES: Delinquency is defined as the share of people having credit card accounts with debt that is 30 days or more past due. 19 Current Release Release Dates Revisions Historical Data Charts About Announcements Technical Q&As Release Dates RSS Data Download FRED These data are released around the fifth business day of each month. Nov 5, 2025 · By Q3 2025, there were about 642 million credit card accounts in the U. Louis's Federal Reserve Economic Data (FRED) program are working together to expand options for finding, accessing, and visualizing data from the Board's Data Download Program (DDP) in FRED. Nov 14, 2024 · U. Aug 13, 2025 · We use data from the Federal Reserve Y-14M schedules for credit cards, which include, among other information about credit card accounts issued by the largest US banks, each cardholder’s monthly spending, credit card debt balances, interest charges and fees, Zip code, and income when the account was opened. Category: Banking > Delinquencies and Delinquency Rates, 99 economic data series, FRED: Download, graph, and track economic data. By tracking consumer payment transactions and preferences annually during the month of October, Federal Reserve Financial Services compares cash with other payment instruments, such as credit and The Federal Reserve Financial Services' FedCash Services release of the annual Diary of Consumer Payment Choice report regarding the ongoing research into payment habits of the U. Nov 7, 2025 · Graph and download economic data for Total Consumer Credit Owned and Securitized (TOTALSL) from Jan 1943 to Sep 2025 about securitized, owned, consumer credit, loans, consumer, and USA. This fall coincided with declines in both subprime credit card purchases as well as the annual percentage rate (APR) for subprime credit cards. Data are quarterly and composed of individuals ages 20 to 64. . The number of financial institutions that experienced attempted check fraud grew by 10% from 2023 to 2024, followed by attempted automated clearing house fraud at 9% and debit card fraud at 6%. The Board is composed of volunteers who have oversight of the credit union.