Fed Chairman Ben Bernanke may have run out of ammunition to mow down CD yields, but that hasn't stopped them from dropping. Actually, we wouldn't expect them to stop on a dime. CD rates are like a giant cargo ship; they get going in one direction and take a while to turn around.

The average one-year CD yield, as surveyed by Bankrate, stands at 1.92 percent, down 25 basis points from last week. The five-year yield shed 28 basis points and now yields 2.77 percent.

As expected, jumbos followed, with the one-year average yield dropping 29 basis points to 2.10 percent. The five-year lost 33 basis points to come in at 2.87 percent.

As always, there's no reason to make do with these average yields. Explore Bankrate's high-yield CD database to significantly improve your returns.

The average money market account yield, as surveyed by Bankrate, lost 7 basis points. It now stands at 0.63 percent.

If liquidity is important to you, peruse our high-yield money market and savings account database for banks paying triple and quadruple the average rate -- FDIC-insured, of course!

-- Laura Bruce

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