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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 July 8, 2009.

CDs

Yields: 1.14 percent (1-year CD yield); 2.18 percent (5-year CD yield)

The seemingly endless chipping away at yields continues, albeit by just a basis point or two per week. Unfortunately, it adds to the significant downward trend that has crippled CD returns this year.

The average one-year yield, as surveyed by Bankrate.com, stands at 1.14 percent this week, down 1 basis point from last week's average. The five-year yield also shed 1 basis point to come in at 2.18 percent.

The jumbos performed in lock step with both the one-year and the five-year averages, losing 1 basis point this week to come in at 1.23 percent and 2.21 percent, respectively.

The average yield for money market accounts fell 1 basis point to 0.37 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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