National CD rates for Sept. 30, 2010

Interest Rate Roundup
CD rate graph


  • 0.57% (1-year CD yields)
  • 1.68% (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 Sept. 29, 2010.

A new week finds another drop in CD rates.

The typical one-year CD yield is down 1 basis point to 0.57 percent. The five-year CD yield fell 2 basis points to 1.68 percent.

For a deposit of $100,000, the average one-year jumbo CD yield is down 1 basis point to 0.63 percent. The five-year jumbo CD yield dropped 1 basis point to 1.68 percent.

The average money market account yield remains 0.19 percent for the fourth week in a row.

Personal loans may be back in vogue these days, American Banker reported on Wednesday. In a story titled, "Pitching personal loans to the post-crisis consumer," Sara Lepro writes that some national lenders are increasing their personal loan offers.

During the second quarter of this year, mailings soliciting personal loans were up 13.2 percent from the first quarter and up 1.5 percent from a year earlier.

For some of the best returns available across the country, check Bankrate's high-yield CDs and high-yield money market account tables.

All deposit products listed with Bankrate are FDIC-insured.

-- Sheyna Steiner




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