Interest Rate Roundup
National CD rate averages

Here's a look at the state of CD rates from's weekly national survey of large banks and thrifts conducted Nov. 25, 2009.


Yields: 0.87 percent (1-year CD yield); 2.18 percent (5-year CD yield)

After the third quarter of this year, the FDIC listed 552 banks around the country in danger of failing, reported on Tuesday. In 2009, 124 banks have gone belly up so far. Check Bankrate's Safe & Sound Ratings to see how your bank stands.

CD yields continued to lose ground this week, with the average 1-year yield down 1 basis point to 0.87 percent. Also down 1 basis point, the average 5-year CD yield is 2.18 percent.

Jumbo CD yields fared no better in this week's rate survey. The 1-year yield on a $100,000 deposit showed no change, still at 0.95 percent. The 5-year yield is down 1 basis point to 2.2 percent.

The average yield for money market accounts fell 3 basis points to 0.28 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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