RateWatch Scholar

RateWatch provides 3 datasets containing interest rates for deposits, loans and fees at branch level for U.S. financial institutions covering over 96,000 locations. Data is gathered from institutions of all types and sizes. The largest depth of data is around consumer products such as CDs, Savings, Checking, Money Markets, Auto Loans, Home Equity Loans and Mortgages. Within each category, details are available for multiple terms and/or dollar tiers. Data includes several identifying fields including institution name, address, routing number, asset size, institution type, MSA codes, latitude, longitude, state and city FIPS code. Consult relevant data dictionary for more information. Coverage: January, 2001 - June, 2022 File structure: text delimited (delimiter: pipe). \"Join\" file provides cross reference between an institution's rate setting location and its other branches. A given Institution may have multiple rate setting locations that may vary by product type.

RateWatch 提供3套数据集，涵盖美国金融机构分行级别的存款、贷款及手续费利率，覆盖超9.6万家分支机构。
数据采集自各类规模与类型的金融机构。
数据覆盖深度最高的品类为零售金融产品，包括大额可转让定期存单（Certificates of Deposit）、储蓄账户、支票账户、货币市场账户、汽车贷款、住房净值贷款及抵押贷款。
在每个品类下，可获取多期限及/或多金额档位的详细信息。
数据集包含多项标识字段，包括金融机构名称、地址、银行路由编号、资产规模、机构类型、都会统计区（Metropolitan Statistical Area，MSA）代码、纬度、经度、州及城市联邦信息处理标准（Federal Information Processing Standards，FIPS）代码。
如需了解更多信息，请查阅对应的数据字典。
数据覆盖时段：2001年1月至2022年6月
文件结构：文本分隔格式（分隔符：竖线）。
"Join" 文件可实现金融机构利率设定网点与其其他分支机构间的交叉引用。
单个金融机构可拥有多个利率设定网点，且不同产品类型对应的设定网点可能存在差异。