How low can they go? Well, we're finding out. Another week means another sizable drop in CD yields.

The average one-year CD yield, as surveyed by Bankrate, stands at 1.79 percent, down 8 basis points since last week and off by 60 basis points, more than one-half of a percent, from one month ago. The five-year average yield is 2.62 percent, a drop of 7 basis points.

The bite taken out of the jumbos is even more severe. The one-year yield shed 12 basis points to 1.92 percent. The five-year dropped 13 basis points to come in at 2.63 percent. You'd have to pony up $100,000 to open one of these CD accounts and yet you'd get just 1 basis point more than a regular five-year CD that requires an average $1,708 to open.

Money market account yields aren't standing firm either. The average yield is now 0.59 percent, down 2 basis points this week.

Visit Bankrate's high-yield CD database to significantly improve your returns. You'll find many one-year CDs sporting yields of 3 percent or better.

If liquidity is important to you, check out our high-yield money market and savings account database. Liquidity doesn't have to mean low rates.

-- Laura Bruce

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