cds

National CD rate averages

Here's a look at the state of interest rates on five common consumer banking products and the latest rates from Bankrate.com's weekly national survey of large banks and thrifts conducted May 20, 2009.

CDs

Yields: 1.23 percent (1-year CD yield); 2.22 percent (5-year CD yield)

The shorter-term CDs tumbled the most this week, with the standard one-year average yield dropping 3 basis points to 1.23 percent, and the jumbo one-year average yield also shedding 3 basis points to 1.34 percent.

The standard five-year CD came in at 2.22 percent, down 1 basis point from last week. The five-year jumbo held steady at 2.25 percent.

The fact that the longer-term CDs lost less ground doesn't make them any more appealing. Two percent and change just isn't enough to lock up funds for five years.

The average money market account yield dropped 1 basis point this week and now stands at 0.38 percent.

Check Bankrate's 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.

-- Laura Bruce

 

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Compare CDs & Investment Rates



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CDs Overnight Averages
Product Yield +/- Last week
6 Mo CD
1.26%
1.27%
1 Yr CD
1.71%
1.71%
5 Yr CD
2.94%
2.91%
1 Yr Jumbo CD
1.43%
1.45%
Compare rates:
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