Top Bank CD Rates Across the United States This Week
2012 marks another year of extremely low CD rates on all types of certificates of deposit. The CD rate curve going from 1 month to 60 month bank CD rates is basically flat and rates on all types of certificates of deposit won't be going higher in 2013. In fact, rates will stay low for at least two more years and probably three years more.
![]() The average 36 month certificate of deposit rate in the FDIC's survey this week is at 0.52 percent. Average jumbo CD rates on 3 year jumbo CD accounts are only 2 basis points higher. In fact, jumbo rates on all types of CD accounts are only about 1 to 2 basis points higher than regular CD accounts. As with 12 month and 24 month rates the best 36 month rates are many times the national average rates. Right now the highest CD interest rate on 36 month certificates of deposit are much higher at 1.30 percent with an APY of 1.31 percent. Going out even longer on the rate curve doesn't really get you that higher of a rate on your deposit. The current national average 60 month certificate of deposit rate is at 0.84 percent this week. The best 5 year CD rates on our rate list are higher at 1.78 percent with an APY of 1.80 percent. Since rates are low on all CD terms I would stick with investing in shorter term certificates of deposit, like 1 year to 2 year CDs. That way you can take advantage of higher rates when they return sometime in 2015 or 2016. |
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