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 Nov. 4, 2009.


Yields: 0.91 percent (1-year CD yield); 2.20 percent (5-year CD yield)

There's very little to report this week on CD yields. The shorter maturities lost a little ground while the longer-term variety held steady or even gained a bit.

The average one-year CD yield, as surveyed by, fell 1 basis point to 0.91 percent after sitting at 0.92 percent for three weeks. The five-year CD yield rose by 1 basis point to 2.2 percent.

The one-year jumbo yield shed 2 basis points to land at 0.98 percent. Its five-year cousin remains at 2.22 percent for the second week. A mere 2 basis points separate the standard and jumbo five-year yields. Somehow it seems that if you're plunking down $100,000 you should have more than a 2-basis-point advantage.

The average yield for money market accounts remains at 0.32 percent for the third week in a row.

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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