Interest Rate Roundup
National CD rates

Here's a look at the state of CD rates from's weekly national survey of large banks and thrifts conducted Dec. 16, 2009.


Yields: 0.82 percent (1-year CD yield); 2.08 percent (5-year CD yield)

There is very little activity to report this week. Yields remained flat after losing fairly significant ground last week.

The average yield for one-year CDs, as surveyed by, is 0.82 percent, down 1 basis point from last week. The average yield for five-year CDs remains at 2.08 percent, the same as last week.

The jumbos haven't budged off of last week's numbers. The one-year average yield is 0.89 percent, and the five-year average is 2.11 percent.

Money market accounts lost 1 basis point; the average yield is now 0.24 percent.

Check Bankrate's high-yield CDs and high-yield money market account tables for some of the best returns available nationwide.

All deposit products listed with Bankrate are FDIC-insured.

See all CD rates content.

-- Laura Bruce


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Product Rate Change Last week
1 Year CD 0.90%  0.02 0.88%
2 Year CD 1.02%  0.01 1.03%
5 Year CD 1.59%  0.01 1.60%
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