National CD rates for May 26, 2011

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  • 0.45% (1-year CD yields)
  • 1.7% (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 May 25, 2011.

CD rates are unchanged in this week's survey.

The average one-year CD yield is at 0.45 percent for the third week in a row. The average five-year CD yield remains at 1.7 percent.

For deposits of about $100,000, the average one-year jumbo CD yield is 0.5 percent and the five-year CD yield is 1.72 percent.

The average money market account yield is 0.17 percent.

CDs are officially a losing proposition at this point. The rate of inflation is beating the top CD rates and has been for some time, says Dan Geller, executive vice president of Market Rates Insight.

In February the rate of inflation passed the highest-paying five-year CD rate. According to Geller, this is the second time in a decade that inflation has surpassed CD rates.

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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