Here's a look at the state of CD rates from Bankrate.com's weekly national survey of large banks and thrifts conducted Jan. 27, 2010.
CDsYields: 0.76 percent (1-year CD yield); 2.07 percent (5-year CD yield)
CD rates pretty much held their ground this past week.
The average yield for one-year CDs, as surveyed by Bankrate.com, shifted downward 1 basis point to 0.76 percent; while its five-year counterpart gained 1 basis point to come in at 2.07 percent.
The one-year jumbo CD rate is 0.82 percent, down 1 basis point from last week's survey. The five-year jumbo remains at 2.12 percent for the second week in a row.
You can earn much better yields by visiting the Bankrate databases for regular high-yield CD rates and for jumbo high-yield CD rates.
The average yield for money market accounts clocked in at 0.24 percent for the third week.
Check Bankrate's high-yield CDs and high-yield money market account tables for some of the best returns available nationwide.
All deposit products listed with Bankrate are FDIC-insured.
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-- Laura Bruce