CD Rates – February 15, 2010

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CD Rates - February 15, 2010 CD rates were down again this week over last week, reversing the one week trend we had of rates increasing.

The only certificate of deposit term that bucked the downtrend was 6 month CD rates. 6 month rates are at .805 percent, up from the prior week’s average CD rate of 0.538 percent.

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3 month CD rates at banks are averaging 0.433 percent this week, down from last week’s average rate of 0.645 percent. BankDirect is offering one of the best CD rates for a 3 month CD with their current rate and yield is 1.11 percent.
6 month CD interest rates are at 0.805 percent, up from the prior week’s average rate of 0.538 percent. First Century Bank still tops our list of 6 month rates – their current 6 month CD rate is 1.74 percent and the CD yield is 1.75 percent.
12 month CD rates are averaging 1.054 percent, down from the previous week’s average rate of 1.076 percent. UFB Direct tops our list of 12 month CDs with their current rate of 1.70 percent and the yield of 1.71 percent.
18 month CD rates are averaging 1.249 percent, down from last week’s average rate of 1.281 percent. Georgia Bank & Trust is offering an 18 month CD yield at 1.92 percent.
24 month rates are averaging 1.514 percent this week, down from the previous week’s average of 1.538 percent. Discover Bank has one of the highest CD rates for a 2 year CD – their current rate is 2.13 percent with an APY of 2.15 percent.
36 month CD interest rates are at 1.646 percent, down from the prior week’s average of 1.958 percent. PenFed still has the best CD rate for a 36 month CD – their current rate is 2.96 percent and the CD yield is 3.00 percent.
48 month CD rates are averaging 2.143 percent, down from last week’s average rate of 2.154 percent. PenFed has the top CD rate for a 48 month CD, their current rate is 3.20 percent with an APY of 3.25 percent.
60 month certificates of deposit are averaging 2.410 percent, down from the prior week’s average rate of 2.419 percent. PenFed is offering a 60 month CD with a rate of 3.44 percent with an APY of 3.50 percent.