National CD rates for Dec. 30, 2010

Interest Rate Roundup
CD rate graph


  • 0.48% (1-year CD yields)
  • 1.56% (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 Dec. 29, 2010.

CD rates aren't finishing the year with a bang, but they didn't go down this week.

The average one-year CD yield is unchanged from last week at 0.48 percent. The average five-year CD yield rose 1 basis point to 1.56 percent.

For a deposit of about $100,000, the average one-year jumbo CD yield remains 0.53 percent and the five-year CD yield gained 1 basis point to 1.57 percent.

For the 17th week in a row, the average money market yield is 0.19 percent.

Here's a look back at where rates were one year ago for the final interest rate roundup of 2010.

On Dec. 30, 2009, the average money market account yield was 0.24 percent. The yield on a one-year CD was 0.82 percent and a five-year CD yielded 2.10 percent.

It is hoped that CD rates in 2011 will see those numbers and then some.

Check Bankrate's rate tables for high-yield CDs and high-yield money market accounts.

All deposit products listed with Bankrate are FDIC-insured.

-- Sheyna Steiner




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