National CD rates for April 14, 2011

Interest Rate Roundup
CD rate graph
Compare CD rates nationally and in your area.


  • 0.47% (1-year CD yields)
  • 1.71% (5-year CD yields)

Here's a look at the state of CD rates from's weekly national survey of large banks and thrifts conducted April 13, 2011.

CD rates went nowhere this week; there was no change in all maturities surveyed.

The average yield on a one-year CD is 0.47 percent. The yield on a five-year CD is 1.71 percent.

For deposits of about $100,000, the average one-year jumbo CD yield is 0.52 percent. The five-year jumbo CD yield is 1.72 percent.

The average money market account lost 1 basis point and is now 0.17 percent.

Rising-rate CDs can protect savers from inflation, but they may come at a cost.

Bankrate released its 2011 rising-rate CD survey Monday. The survey looked at CD options that allow savers to increase the yields on their CDs as rates rise, or allow for more liquidity than traditional CDs.

This helpful chart illustrates CD options issued by various banks across the country, and the accompanying story "Rising-rate CDs: flexibility, with a price" fills in the blanks.

Use Bankrate's rate tables to find high-yield CDs and high-yield money market accounts.

All deposit products listed with Bankrate are FDIC-insured.

Read more at Bankrate's new blog for CD investors, the CD rates blog.

-- Sheyna Steiner




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