National CD rates for Nov. 11, 2010

Interest Rate Roundup
CD rate graph


  • 0.52% (1-year CD yields)
  • 1.53% (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 Nov. 10, 2010.

Only slight changes were found in this week's CD rate survey.

The average one-year CD yield did not change from last week, and it remains 0.52 percent. The five-year yield is down 2 basis points to 1.53 percent.

For a deposit of about $100,000 or more, the typical one-year jumbo CD yield is unchanged from last week, at 0.57 percent. The five-year jumbo CD yield is down 3 basis points to 1.54 percent.

The average money market account yield is 0.19 percent for the 10th week in a row.

The FDIC has proposed a plan to charge larger banks more to insure their customer's deposits, reported on Tuesday. For banks with $10 billion or more in assets, assessment fees will go up as part of the Dodd-Frank Act. The goal is to charge banks to reflect their risk to the insurance fund.

Bankrate tracks failed banks and their cost to the Deposit Insurance Fund. That can be found here.

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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