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Options for Deposit Insurance Reform Data Library

Figure 3.4 The Share of Domenstic Deposits Held in Savings Accounts Increased Prior to 2020

Last Updated: May 10, 2023
Year Savings Time Deposits <= Insurance Limit Time Deposits > Insurance Limit Transaction Accounts All Other Domestic Deposits
1984 17.50% 16.48% 37.87% 21.64% 6.51%
1985 19.20% 15.68% 36.44% 22.31% 6.38%
1986 21.14% 14.26% 33.79% 24.62% 6.19%
1987 24.85% 14.93% 36.18% 22.82% 1.23%
1988 23.16% 16.15% 37.18% 22.31% 1.21%
1989 22.80% 21.38% 33.84% 21.89% 0.09%
1990 23.35% 23.96% 30.30% 22.29% 0.10%
1991 26.99% 24.13% 25.13% 23.63% 0.12%
1992 30.95% 21.58% 19.91% 27.46% 0.10%
1993 31.77% 20.69% 17.17% 29.17% 1.19%
1994 30.06% 22.19% 17.89% 29.28% 0.58%
1995 29.21% 23.98% 18.52% 27.27% 1.02%
1996 31.22% 23.46% 19.44% 25.34% 0.54%
1997 33.02% 23.13% 20.09% 23.20% 0.56%
1998 36.48% 21.89% 19.25% 21.94% 0.44%
1999 38.01% 21.32% 20.36% 19.92% 0.39%
2000 38.76% 20.91% 21.45% 18.40% 0.48%
2001 43.22% 18.06% 18.88% 18.95% 0.90%
2002 47.57% 15.95% 17.80% 17.83% 0.85%
2003 51.13% 14.00% 16.64% 17.74% 0.48%
2004 53.50% 12.79% 17.95% 15.66% 0.10%
2005 52.25% 13.15% 21.03% 13.42% 0.14%
2006 51.05% 14.35% 22.61% 11.86% 0.13%
2007 50.96% 16.17% 21.37% 11.37% 0.12%
2008 49.93% 18.28% 19.35% 12.34% 0.10%
2009 56.43% 15.09% 15.60% 12.77% 0.11%
2010 61.44% 17.81% 7.28% 13.30% 0.18%
2011 63.02% 14.37% 6.37% 15.97% 0.27%
2012 64.73% 13.78% 4.45% 16.75% 0.28%
2013 65.66% 12.29% 4.36% 17.37% 0.33%
2014 65.59% 11.12% 5.28% 17.69% 0.32%
2015 66.99% 9.80% 5.40% 17.51% 0.30%
2016 68.34% 8.95% 5.06% 17.32% 0.32%
2017 67.81% 9.06% 4.96% 17.80% 0.37%
2018 66.70% 10.12% 5.45% 17.39% 0.34%
2019 66.75% 10.18% 5.21% 17.57% 0.29%
2020 61.44% 6.47% 2.85% 28.99% 0.25%
2021 59.96% 4.59% 2.38% 32.84% 0.22%
2022 54.38% 6.56% 3.05% 35.75% 0.26%

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