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Since January 2009, the average level of the effective federal funds rate has been approximately 0.18% with a standard deviation of 0.14%. This data emphasizes information already known throughout the financial industry: Interest rates have been flat for a long, long time.

For the eight years prior to 2009, effective federal funds averaged 3.27% with a standard deviation of 1.87%. From 1990 to 2009, the average rate was 4.26%, with 1.89% standard deviation, indicating that rate volatility has declined significantly in the past seven and a half years.

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