I have a bunch of normal, run if the mill modern FRNs as part of my "every district, every series" collection. No bills are older than 1969 (a single $10) the majority of them are 2001 and newer. However, I have a question. Should I break the collection up for spending money/deposit in a 2.96% CD? I have around $2,000 in face value. In other words, is there any value in keeping these normal notes? Will they increase in value in the future and if so, will it be to the point of exceeding inflation?
A dollar will always be worth a dollar. With inflation, what that dollar will buy will decrease over time. Now you decide.
Navy Federal credit Union has the highest CD rates I've seen, provided you set up direct deposit. In 75 years I'm gonna be dead!
Are the notes from circulation? Typically, for district sets to have any value above face, they should all be CH-CU examples.
Knowing that your collection is common, circulated, modern non-star notes, I would say no, they will not keep up with inflation. If you collect because you like them and enjoy the challenge, then keep doing what you're doing. If you collect them as an investment then you may be disappointed.
Spenders. If you keep $2000 (for 5 years, 10 years, 20) which eventually will be spent at face value, you are losing money. It is worth more to spend/ or invest today than to hold on to these notes.
You have answered your own question. "Will they increase in value in the future and if so, will it be to the point of exceeding inflation?" If they kept their value there would be no inflation. If the government chooses to buy trillions of dollars of scrap paper from the Fed at interest then how can they possibly keep their value.