Bank CD Rates – January 5, 2009
Bank CD rates declined again this week. The average CD rate for a 12 month certificate of deposit declined to 1.043 percent this week. Down from the prior week's average CD rate of 1.051 percent.
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Using our CD rate tables, we found First Federal Bank of California is offering a 12 month certificate of deposit that has an annual percentage yield (APY) of 1.90 percent. Discover Bank is also offering a 12 month CD that has a yield of 1.85 percent.
The average 3 month CD rate is also down again this week. The current average 3 month CD rate at banks is 0.522 percent. La Jolla Bank of California is offering one of the best CD rates and CD yields for a 3 month CD, their current yield is 1.25 percent, more than double the average 3 month rate.
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