National CD rates for July 21, 2011

CD rate graph

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Interest Rate Roundup

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  • 0.44% (1-year CD yields)
  • 1.62% (5-year CD yields)

CD rates were unchanged in this week’s rate survey, with one exception.

The average one-year CD yield lost 1 basis point to 0.44 percent. The average five-year CD yield is still 1.62 percent.

On the jumbo side, for deposits of about $100,000, the average one-year yield is 0.48 percent. The average five-year jumbo CD yield is 1.64 percent.

The average money market account yield remains 0.17 percent.

Despite the popularity of smartphones, not all banking customers are sold on mobile banking just yet, a new study from Javelin Strategy and Research has found. The website reported on the Javelin study this week in the story “Survey: Consumers love smartphones, but not mobile banking.”

Between 2010 and 2011 there was virtually no growth in mobile banking, despite the widespread adoption of mobile technology. What’s the reason for consumer reticence? Fifty-four percent of consumers cited safety concerns as a reason for avoiding mobile banking, Javelin reported.

Use Bankrate’s rate tables to find high-yield CDs and high-yield money market accounts.

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