National CD rates for Jan. 13, 2011

Interest Rate Roundup
CD rate graph


  • 0.48% (1-year CD yields)
  • 1.59% (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 Jan. 12, 2011.

CD rates rose slightly again this week.

The average yield for a one-year CD remains 0.48 percent for the fourth week in a row. The average five-year CD yield is up 2 basis points to 1.59 percent.

On the jumbo end, the average one-year CD yield is 0.53 percent for the third week in a row. The five-year average yield increased 3 basis points to 1.6 percent.

After 18 weeks at 0.19 percent, money market account yields lost 1 basis point, dropping to 0.18 percent.

2011 will likely not be the year yields on CDs come roaring back. In fact, CD rates will remain in the doldrums for at least the next year. That was the consensus of experts who weighed in for the Bankrate feature, "CDs to yield pain without gain."

Read "5 ways to beat puny savings account rates" for some ideas on where to find higher yields without a lot of risk.

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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