NOTE: THIS DATA FILE WILL CHANGE! To improve accessibility of data for all users, we will convert this file from a text format to an html table by the end of June 2024. Title: Real User Cost Index of MSI-M1 (alternative) Series ID: OCM1A Source: Anderson, Richard G., Jones, Barry E. Release: Monetary Services Index (MSI) (Not a Press Release) Seasonal Adjustment: Not Seasonally Adjusted Frequency: Monthly Units: Percent Date Range: 1967-01-01 to 2013-12-01 Last Updated: 2014-01-17 7:16 AM CST Notes: Preferred benchmark rate equals 100 basis points plus the largest rate in the set of rates. Alternative benchmark rate equals the larger of the preferred benchmark rate and the Baa corporate bond yield. DATE VALUE 1967-01-01 0.0552 1967-02-01 0.0523 1967-03-01 0.0519 1967-04-01 0.0479 1967-05-01 0.0481 1967-06-01 0.0509 1967-07-01 0.0500 1967-08-01 0.0507 1967-09-01 0.0508 1967-10-01 0.0528 1967-11-01 0.0564 1967-12-01 0.0583 1968-01-01 0.0552 1968-02-01 0.0537 1968-03-01 0.0582 1968-04-01 0.0573 1968-05-01 0.0618 1968-06-01 0.0623 1968-07-01 0.0587 1968-08-01 0.0563 1968-09-01 0.0558 1968-10-01 0.0592 1968-11-01 0.0619 1968-12-01 0.0640 1969-01-01 0.0665 1969-02-01 0.0708 1969-03-01 0.0739 1969-04-01 0.0734 1969-05-01 0.0810 1969-06-01 0.0921 1969-07-01 0.0907 1969-08-01 0.0894 1969-09-01 0.0921 1969-10-01 0.0843 1969-11-01 0.0876 1969-12-01 0.0921 1970-01-01 0.0843 1970-02-01 0.0802 1970-03-01 0.0768 1970-04-01 0.0733 1970-05-01 0.0765 1970-06-01 0.0804 1970-07-01 0.0759 1970-08-01 0.0728 1970-09-01 0.0725 1970-10-01 0.0720 1970-11-01 0.0724 1970-12-01 0.0706 1971-01-01 0.0678 1971-02-01 0.0653 1971-03-01 0.0658 1971-04-01 0.0658 1971-05-01 0.0670 1971-06-01 0.0679 1971-07-01 0.0680 1971-08-01 0.0755 1971-09-01 0.0741 1971-10-01 0.0660 1971-11-01 0.0653 1971-12-01 0.0653 1972-01-01 0.0642 1972-02-01 0.0642 1972-03-01 0.0643 1972-04-01 0.0643 1972-05-01 0.0642 1972-06-01 0.0640 1972-07-01 0.0642 1972-08-01 0.0639 1972-09-01 0.0632 1972-10-01 0.0630 1972-11-01 0.0625 1972-12-01 0.0620 1973-01-01 0.0618 1973-02-01 0.0793 1973-03-01 0.0761 1973-04-01 0.0784 1973-05-01 0.0750 1973-06-01 0.0769 1973-07-01 0.0877 1973-08-01 0.0947 1973-09-01 0.0927 1973-10-01 0.0876 1973-11-01 0.0836 1973-12-01 0.0902 1974-01-01 0.0812 1974-02-01 0.0750 1974-03-01 0.0792 1974-04-01 0.0882 1974-05-01 0.0961 1974-06-01 0.0991 1974-07-01 0.1082 1974-08-01 0.1090 1974-09-01 0.1031 1974-10-01 0.0912 1974-11-01 0.0851 1974-12-01 0.0865 1975-01-01 0.0823 1975-02-01 0.0812 1975-03-01 0.0800 1975-04-01 0.0807 1975-05-01 0.0815 1975-06-01 0.0810 1975-07-01 0.0805 1975-08-01 0.0808 1975-09-01 0.0809 1975-10-01 0.0810 1975-11-01 0.0806 1975-12-01 0.0806 1976-01-01 0.0795 1976-02-01 0.0784 1976-03-01 0.0775 1976-04-01 0.0763 1976-05-01 0.0757 1976-06-01 0.0759 1976-07-01 0.0754 1976-08-01 0.0742 1976-09-01 0.0725 1976-10-01 0.0717 1976-11-01 0.0713 1976-12-01 0.0705 1977-01-01 0.0702 1977-02-01 0.0705 1977-03-01 0.0705 1977-04-01 0.0701 1977-05-01 0.0697 1977-06-01 0.0690 1977-07-01 0.0687 1977-08-01 0.0683 1977-09-01 0.0682 1977-10-01 0.0688 1977-11-01 0.0693 1977-12-01 0.0696 1978-01-01 0.0708 1978-02-01 0.0710 1978-03-01 0.0716 1978-04-01 0.0719 1978-05-01 0.0731 1978-06-01 0.0760 1978-07-01 0.0777 1978-08-01 0.0763 1978-09-01 0.0801 1978-10-01 0.0877 1978-11-01 0.0972 1978-12-01 0.0986 1979-01-01 0.0967 1979-02-01 0.0919 1979-03-01 0.0908 1979-04-01 0.0899 1979-05-01 0.0909 1979-06-01 0.0886 1979-07-01 0.0906 1979-08-01 0.0952 1979-09-01 0.1027 1979-10-01 0.1156 1979-11-01 0.1183 1979-12-01 0.1151 1980-01-01 0.1139 1980-02-01 0.1207 1980-03-01 0.1416 1980-04-01 0.1361 1980-05-01 0.1065 1980-06-01 0.0952 1980-07-01 0.0948 1980-08-01 0.0982 1980-09-01 0.1019 1980-10-01 0.1088 1980-11-01 0.1278 1980-12-01 0.1543 1981-01-01 0.1479 1981-02-01 0.1319 1981-03-01 0.1202 1981-04-01 0.1239 1981-05-01 0.1439 1981-06-01 0.1427 1981-07-01 0.1469 1981-08-01 0.1422 1981-09-01 0.1371 1981-10-01 0.1282 1981-11-01 0.1187 1981-12-01 0.1197 1982-01-01 0.1234 1982-02-01 0.1239 1982-03-01 0.1215 1982-04-01 0.1212 1982-05-01 0.1203 1982-06-01 0.1221 1982-07-01 0.1213 1982-08-01 0.1181 1982-09-01 0.1135 1982-10-01 0.1073 1982-11-01 0.1043 1982-12-01 0.1031 1983-01-01 0.1017 1983-02-01 0.1018 1983-03-01 0.0993 1983-04-01 0.0970 1983-05-01 0.0956 1983-06-01 0.0975 1983-07-01 0.0976 1983-08-01 0.0994 1983-09-01 0.0988 1983-10-01 0.0982 1983-11-01 0.0993 1983-12-01 0.1003 1984-01-01 0.0996 1984-02-01 0.0991 1984-03-01 0.1020 1984-04-01 0.1043 1984-05-01 0.1074 1984-06-01 0.1096 1984-07-01 0.1102 1984-08-01 0.1065 1984-09-01 0.1045 1984-10-01 0.1015 1984-11-01 0.0983 1984-12-01 0.0979 1985-01-01 0.0970 1985-02-01 0.0968 1985-03-01 0.1002 1985-04-01 0.0990 1985-05-01 0.0965 1985-06-01 0.0911 1985-07-01 0.0914 1985-08-01 0.0919 1985-09-01 0.0918 1985-10-01 0.0909 1985-11-01 0.0880 1985-12-01 0.0849 1986-01-01 0.0838 1986-02-01 0.0812 1986-03-01 0.0766 1986-04-01 0.0744 1986-05-01 0.0753 1986-06-01 0.0758 1986-07-01 0.0746 1986-08-01 0.0750 1986-09-01 0.0755 1986-10-01 0.0759 1986-11-01 0.0747 1986-12-01 0.0739 1987-01-01 0.0719 1987-02-01 0.0715 1987-03-01 0.0712 1987-04-01 0.0748 1987-05-01 0.0786 1987-06-01 0.0787 1987-07-01 0.0794 1987-08-01 0.0810 1987-09-01 0.0851 1987-10-01 0.0875 1987-11-01 0.0844 1987-12-01 0.0849 1988-01-01 0.0832 1988-02-01 0.0795 1988-03-01 0.0791 1988-04-01 0.0819 1988-05-01 0.0830 1988-06-01 0.0827 1988-07-01 0.0836 1988-08-01 0.0844 1988-09-01 0.0818 1988-10-01 0.0777 1988-11-01 0.0783 1988-12-01 0.0797 1989-01-01 0.0796 1989-02-01 0.0820 1989-03-01 0.0876 1989-04-01 0.0858 1989-05-01 0.0813 1989-06-01 0.0798 1989-07-01 0.0777 1989-08-01 0.0743 1989-09-01 0.0747 1989-10-01 0.0735 1989-11-01 0.0726 1989-12-01 0.0727 1990-01-01 0.0738 1990-02-01 0.0755 1990-03-01 0.0761 1990-04-01 0.0769 1990-05-01 0.0778 1990-06-01 0.0762 1990-07-01 0.0760 1990-08-01 0.0778 1990-09-01 0.0797 1990-10-01 0.0807 1990-11-01 0.0797 1990-12-01 0.0782 1991-01-01 0.0785 1991-02-01 0.0755 1991-03-01 0.0757 1991-04-01 0.0745 1991-05-01 0.0741 1991-06-01 0.0750 1991-07-01 0.0745 1991-08-01 0.0726 1991-09-01 0.0717 1991-10-01 0.0720 1991-11-01 0.0726 1991-12-01 0.0722 1992-01-01 0.0728 1992-02-01 0.0745 1992-03-01 0.0748 1992-04-01 0.0748 1992-05-01 0.0744 1992-06-01 0.0740 1992-07-01 0.0730 1992-08-01 0.0720 1992-09-01 0.0721 1992-10-01 0.0743 1992-11-01 0.0754 1992-12-01 0.0742 1993-01-01 0.0731 1993-02-01 0.0709 1993-03-01 0.0690 1993-04-01 0.0690 1993-05-01 0.0698 1993-06-01 0.0687 1993-07-01 0.0675 1993-08-01 0.0648 1993-09-01 0.0627 1993-10-01 0.0626 1993-11-01 0.0658 1993-12-01 0.0662 1994-01-01 0.0660 1994-02-01 0.0671 1994-03-01 0.0703 1994-04-01 0.0737 1994-05-01 0.0745 1994-06-01 0.0747 1994-07-01 0.0760 1994-08-01 0.0755 1994-09-01 0.0775 1994-10-01 0.0794 1994-11-01 0.0803 1994-12-01 0.0784 1995-01-01 0.0783 1995-02-01 0.0763 1995-03-01 0.0750 1995-04-01 0.0741 1995-05-01 0.0708 1995-06-01 0.0682 1995-07-01 0.0694 1995-08-01 0.0707 1995-09-01 0.0685 1995-10-01 0.0669 1995-11-01 0.0663 1995-12-01 0.0648 1996-01-01 0.0647 1996-02-01 0.0662 1996-03-01 0.0697 1996-04-01 0.0711 1996-05-01 0.0721 1996-06-01 0.0729 1996-07-01 0.0725 1996-08-01 0.0711 1996-09-01 0.0725 1996-10-01 0.0701 1996-11-01 0.0678 1996-12-01 0.0687 1997-01-01 0.0705 1997-02-01 0.0692 1997-03-01 0.0713 1997-04-01 0.0726 1997-05-01 0.0714 1997-06-01 0.0699 1997-07-01 0.0676 1997-08-01 0.0682 1997-09-01 0.0671 1997-10-01 0.0660 1997-11-01 0.0649 1997-12-01 0.0640 1998-01-01 0.0630 1998-02-01 0.0636 1998-03-01 0.0642 1998-04-01 0.0644 1998-05-01 0.0641 1998-06-01 0.0627 1998-07-01 0.0628 1998-08-01 0.0627 1998-09-01 0.0623 1998-10-01 0.0633 1998-11-01 0.0648 1998-12-01 0.0641 1999-01-01 0.0647 1999-02-01 0.0656 1999-03-01 0.0669 1999-04-01 0.0665 1999-05-01 0.0687 1999-06-01 0.0713 1999-07-01 0.0708 1999-08-01 0.0726 1999-09-01 0.0730 1999-10-01 0.0745 1999-11-01 0.0726 1999-12-01 0.0729 2000-01-01 0.0741 2000-02-01 0.0738 2000-03-01 0.0745 2000-04-01 0.0747 2000-05-01 0.0790 2000-06-01 0.0754 2000-07-01 0.0743 2000-08-01 0.0736 2000-09-01 0.0744 2000-10-01 0.0743 2000-11-01 0.0737 2000-12-01 0.0715 2001-01-01 0.0708 2001-02-01 0.0703 2001-03-01 0.0701 2001-04-01 0.0722 2001-05-01 0.0724 2001-06-01 0.0715 2001-07-01 0.0715 2001-08-01 0.0705 2001-09-01 0.0722 2001-10-01 0.0714 2001-11-01 0.0707 2001-12-01 0.0728 2002-01-01 0.0713 2002-02-01 0.0715 2002-03-01 0.0733 2002-04-01 0.0727 2002-05-01 0.0732 2002-06-01 0.0720 2002-07-01 0.0716 2002-08-01 0.0689 2002-09-01 0.0674 2002-10-01 0.0703 2002-11-01 0.0694 2002-12-01 0.0680 2003-01-01 0.0672 2003-02-01 0.0647 2003-03-01 0.0637 2003-04-01 0.0629 2003-05-01 0.0588 2003-06-01 0.0572 2003-07-01 0.0610 2003-08-01 0.0645 2003-09-01 0.0626 2003-10-01 0.0621 2003-11-01 0.0614 2003-12-01 0.0609 2004-01-01 0.0595 2004-02-01 0.0580 2004-03-01 0.0566 2004-04-01 0.0597 2004-05-01 0.0622 2004-06-01 0.0625 2004-07-01 0.0611 2004-08-01 0.0597 2004-09-01 0.0580 2004-10-01 0.0574 2004-11-01 0.0574 2004-12-01 0.0569 2005-01-01 0.0557 2005-02-01 0.0539 2005-03-01 0.0561 2005-04-01 0.0560 2005-05-01 0.0556 2005-06-01 0.0543 2005-07-01 0.0551 2005-08-01 0.0552 2005-09-01 0.0557 2005-10-01 0.0581 2005-11-01 0.0589 2005-12-01 0.0583 2006-01-01 0.0576 2006-02-01 0.0579 2006-03-01 0.0591 2006-04-01 0.0615 2006-05-01 0.0621 2006-06-01 0.0623 2006-07-01 0.0622 2006-08-01 0.0606 2006-09-01 0.0596 2006-10-01 0.0594 2006-11-01 0.0593 2006-12-01 0.0592 2007-01-01 0.0595 2007-02-01 0.0595 2007-03-01 0.0592 2007-04-01 0.0592 2007-05-01 0.0593 2007-06-01 0.0617 2007-07-01 0.0613 2007-08-01 0.0613 2007-09-01 0.0609 2007-10-01 0.0598 2007-11-01 0.0590 2007-12-01 0.0613 2008-01-01 0.0603 2008-02-01 0.0629 2008-03-01 0.0635 2008-04-01 0.0642 2008-05-01 0.0639 2008-06-01 0.0650 2008-07-01 0.0658 2008-08-01 0.0658 2008-09-01 0.0672 2008-10-01 0.0806 2008-11-01 0.0834 2008-12-01 0.0768 2009-01-01 0.0745 2009-02-01 0.0740 2009-03-01 0.0768 2009-04-01 0.0766 2009-05-01 0.0739 2009-06-01 0.0690 2009-07-01 0.0655 2009-08-01 0.0610 2009-09-01 0.0588 2009-10-01 0.0586 2009-11-01 0.0588 2009-12-01 0.0592 2010-01-01 0.0582 2010-02-01 0.0590 2010-03-01 0.0584 2010-04-01 0.0582 2010-05-01 0.0564 2010-06-01 0.0580 2010-07-01 0.0561 2010-08-01 0.0530 2010-09-01 0.0530 2010-10-01 0.0535 2010-11-01 0.0554 2010-12-01 0.0569 2011-01-01 0.0569 2011-02-01 0.0574 2011-03-01 0.0564 2011-04-01 0.0563 2011-05-01 0.0542 2011-06-01 0.0539 2011-07-01 0.0540 2011-08-01 0.0504 2011-09-01 0.0497 2011-10-01 0.0505 2011-11-01 0.0485 2011-12-01 0.0495 2012-01-01 0.0493 2012-02-01 0.0485 2012-03-01 0.0493 2012-04-01 0.0490 2012-05-01 0.0478 2012-06-01 0.0474 2012-07-01 0.0461 2012-08-01 0.0464 2012-09-01 0.0458 2012-10-01 0.0435 2012-11-01 0.0428 2012-12-01 0.0439 2013-01-01 0.0448 2013-02-01 0.0458 2013-03-01 0.0459 2013-04-01 0.0435 2013-05-01 0.0447 2013-06-01 0.0489 2013-07-01 0.0501 2013-08-01 0.0510 2013-09-01 0.0514 2013-10-01 0.0500 2013-11-01 0.0507 2013-12-01 0.0507