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Commercial Banks
Financial institutions that offer a wide range of services, including deposits, loans, and other financial products to both individuals and businesses.
Market Interest Rate
The prevailing rate of interest determined by supply and demand in the financial markets that borrowers must pay to lenders.
Banks and Thrifts
Financial institutions that accept deposits from the public and create credit. Thrifts, such as savings and loan associations, primarily focus on residential mortgage lending.
FDIC
The Federal Deposit Insurance Corporation (FDIC) is a United States government agency created in 1933 to insure deposits in banks and thrift institutions for at least $250,000 per depositor, per insured bank, for each account ownership category.
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