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's weekly national survey of large banks and thrifts conducted Sept. 30, 2009.


Yields: 0.95 percent (1-year CD yield); 2.25 percent (5-year CD yield)

There was virtually no movement in CD yields this week, as surveyed by That's really not a bad thing, considering the sizable gains yields made last week as compared to the previous week. Holding ground for a bit at this point is OK.

The average yield for one-year CDs fell 1 basis point this week to 0.95 percent. The average yield for a five-year CD also shed 1 basis point to come in at 2.25 percent.

Jumbo CDs saw comparable results, with the average yields for one-year CDs and five-year CDs standing pat for the second week in a row at 1.03 percent and 2.29 percent, respectively.

The average yield for money market accounts dropped 1 basis point to 0.32 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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